• CUSTOMER SERVICE: Mail, Online Form
  • DISCOUNTS: Up To 10% Off
  • MONTHLY COST: Free/Up to $19.95/month

minimum price:

Free - $19.95

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Credit Sesame Reviews of Services & Features

Credit Sesame Reviews of Services & Features

minimum price:

Free - $19.95

Visit Website
  • CUSTOMER SERVICE: Mail, Online Form
  • DISCOUNTS: Up To 10% Off
  • MONTHLY COST: Free/Up to $19.95/month

Best For

Free Access to Credit Reports & Credit Score Monitoring


  • Free credit score
  • Debt tracking and analysis
  • Plenty of features to manage your credit score


  • Pricey paid service
  • No phone or email customer support

If you have read any Credit Sesame reviews, you will know that it is a well-established company. What sets Credit Sesame apart from the rest is that it is actually free, unlike other similar services. The Credit Sesame platform provides its users with free monthly updates on changes in their credit score. Credit Sesame reviews on BBB are good and its rating is high.

According to Credit Sesame reviews from 2022, the company also provides:

✓ free access to credit reports
✓ credit monitoring
✓ identity theft protection tools

This makes Credit Sesame the ideal choice for all those who are looking to maintain a good credit score so that they can get loans when needed.

Credit Sesame Services

Since 2018, Credit Sesame has been offering its members premium services, which include free access to features such as credit reports, credit score monitoring, and identity theft protection tools. Apart from that, Credit Sesame also offers customized recommendations to its members for getting various types of loans, such as personal loans, student loans, home loans, as well as credit cards. The service helps individuals get all the latest information they need to find the best refinancing opportunities. All of these features have resulted in many positive CreditSesame.com reviews. Credit Sesame has also rolled out a Robo-advisory service that completely automates the credit and loan management process.

Credit Sesame Additional Services

Here’s some information on the additional services that Credit Sesame provides for its customers. It should be noted that all of these value-added services are free of cost for Credit Sesame members.

  • My Credit – Credit Sesame uses TransUnion (VantageScore) to show its customers what factors are impacting their credit score and whether they are overpaying.
  • My Alerts – This feature provides users with the latest updates on credit changes via alerts that are sent to them by email every month.
  • My Debt – This feature allows users to know if they are in debt or the possibility of them running into debt in the future by analyzing their current credit score and related data.
  • My Assets – This feature makes it easier for users to manage their assets.
  • My Home Value – This feature allows users to determine the accurate value of their home before selling.
  • My Home Buying Power – For those looking to buy a new home, this feature enables them to know their exact buying power so that they do not run into debt when purchasing a home.

Everything You Need to Know About Credit Sesame 100% Free Credit Score & Credit Monitoring

If you are looking for a way to maintain a good credit score, then you should use Credit Sesame for their premium services and detailed information on your credit report.

  • Discounts – You can find promo codes on various discount sites to get up to 10% off. There are special discount policies for veterans.
  • Free Trial – The credit score service is free.
  • Cancellation & Refund Policies – You can visit the ‘Terminate Account’ page to cancel your free Credit Sesame membership. Premium members will need to submit a request to close their Credit Sesame account. You can also unsubscribe from SMS alerts by sending a text “STOP” in answer to the text message.
  • Credit Sesame Mobile App – You can also download the free mobile app to manage your credit score via your handheld device.
  • Customer Service – You can contact Credit Sesame by mail at 444 Castro Street, Suite 500, Mountain View, CA 94041. There’s also an online form where you can submit your request.
  • Financial Literacy Scholarship – This Credit Sesame scholarship program allows you to get $2,500 for your education.

Credit Sesame 100% Free Credit Score & Credit Monitoring – Service Levels & Pricing

Credit Sesame offers four different subscription services.

✓ Free Membership Service

It includes all of the features, such as credit monitoring, credit reports, and identity protection tools.

✓ Advanced Credit Service

It costs $9.95/month. This gets you daily credit-score updates from one credit bureau, along with monthly credit score updates and a monthly credit report from up to three bureaus.

✓ The Pro Credit Plan

This plan costs $19.95/month if you want to get credit monitoring services with alerts from three different bureaus. This level also gives you access to live experts who will answer your questions.

✓ The Platinum Protection Plan

In addition to the other services, the Platinum Protection plan includes 24/7 black market website monitoring as well as lost or stolen wallet protection. Customers also get social security number and public records monitoring services.

Ease of Use

The signup process is extremely easy with Credit Sesame. This is also one of the reasons why the service enjoys so many positive Credit Sesame customer reviews.

Subscribing or becoming a member of Credit Sesame is easy. All you have to do is create your account, adding your personal info, and verifying your identity, all broken down into simple and easy steps. Users are advised to read the ‘Terms of Use’ that have been provided on the signup page.

The Credit Sesame dashboard is extremely easy to use and gives you complete control over all of the features and services that the company has to offer, depending on the type of your membership. The Credit Analysis feature grades your credit score on various factors, including payment history, credit usage, credit age, account mix, and credit inquiries.


The company shares a detailed privacy policy that outlines the terms and conditions of using Credit Sesame and the data they collect. Credit Sesame also provides an email address that clients can use to contact the company with questions relating to security (privacy@creditsesame.com).

Credit Sesame uses the latest security protocols to ensure the safety of its customers’ data.

Pros Cons
Free credit score Pricey paid service
Multiple service options No phone or email customer support
Unmatched customer experience
Value-added services and features
Debt tracking and analysis
Mobile app
Plenty of features to manage your credit score

Customer Reviews & Ratings

We have come across many Credit Sesame reviews, which testify to their superior quality service. We also found positive Credit Sesame score repair review feedback, which is good news for all those who are having their doubts about using this service. Credit Sesame also has a positive BBB rating. Their good credit score tracking services are the main reason for the many positive Credit Sesame reviews in 2022. That said, there have also been some negative customer reviews due to the unresponsiveness of their customer service, which cannot be contacted via phone or chat, only mail, and an online form.

Credit Sesame Services vs. Competitors

The following is a comparison between Credit Sesame and some of its competitors and will give you a good idea of the high level of quality that Credit Sesame has to offer its clients.

✓ Credit Sesame vs. Credit Karma

Credit Karma is more focused on financial offers, including lenders and credit cards. But, Credit Sesame provides all these services along with additional features and products, which makes it a great choice for those who are looking to manage a good credit score.

✓ Credit Sesame vs. CreditRepair.com

Credit Repair offers services that allow its customers to fix their credit reports. Credit Sesame provides a free credit score service that enables customers to keep track of and fix their credit scores.

Read the full review of CreditRepair.com here

✓ Credit Sesame vs. Lexington Law

Lexington Law offers to restore your credit, but Credit Sesame allows users to fix their credit score without having to pay steep fees. Credit Sesame also offers more services and features to its members as compared to Lexington Law.

Read the full review of Lexington Law here

Interested to learn more about Credit Sesame’s place in the credit repair market? Check our compilation of 2022’s top-rated credit repair companies.


Credit Sesame offers plenty of services apart from its free credit score service. Members get a plethora of credit score management features that allow you to fix your credit score. The company is also about to roll out a new banking account in partnership with Community Federal Savings Bank in the near future. The easy access to up-to-date credit score information, along with the ability for members to reach out to industry experts, makes Credit Sesame a great choice for anybody looking to improve their credit score.


Does the company assist with legal matters?

No. Credit Sesame offers many other services to help customers keep track of and fix their credit score.

Does the company have any pending regulatory action?

No. In fact, Credit Sesame has acquired the Canadian challenger bank, STACK, to boost its international presence.

What is the average credit repair program duration?

It usually takes anywhere between three to six months to repair a bad credit report. Although the duration may vary depending on various individual factors.

Does the company offer any discounts for family members, military, students?

The company offers a veterans discount program. Customers can get up to 10% off by using discount codes from various discount sites.

Is there a referral program in place?

Signing up for their referral program will get you a $150 Amazon gift card. But you will have to refer up to 6 people within a month. After the 6 referrals go through the signup process, the Amazon gift card will be sent to your email address.

Does Credit Sesame offer a money-back guarantee?

Credit Sesame does provide a money-back guarantee for its services.

How long does the credit repair process take with Credit Sesame?

According to Credit Sesame reviews, the process is fairly quick (around three months) as compared to other similar service providers.

What are Credit Sesame customer service hours?

Customer service is available 24/7. All you have to do is fill out and submit a request on the Credit Sesame website.