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      November 29, 2020

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Credit Sesame vs Free Credit Score

Best Credit Monitoring

To help you find the Best Credit Monitoring Companies, TopConsumerReviews.com provides you with an in-depth comparison of Credit Sesame and Free Credit Score.

To see ALL of our reviews for the Best Credit Monitoring Companies, please Click Here

Where is the best place to monitor your credit? In order to purchase a home, buy a car, or obtain almost any kind of loan, you need good credit and history. Falling behind on credit card payments, making too many expensive purchases, opening multiple credit card accounts, filing for bankruptcy, not paying monthly bills, and other factors may cause your credit score to drop significantly. On the flip side, staying on top of credit card payments, paying bills right away, and paying off loans are a few of the ways you can build a fantastic credit score.

Staying aware of your current credit score and proactively working to keep it up will help you, in almost all, financial aspects of your life. During the interview process, companies looking to hire may even request access to a modified credit report to check for signs of financial distress. This helps companies know if candidates may be at risk for committing theft or fraud. With new online services, you can easily access your credit score and stay on the road to financial success.

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Best Reviews

2020

Credit Monitoring Reviews

4 stars
Credit Sesame

CREDIT SESAME

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Cost:

Free

Customers have great things to say about their experience using Credit Sesame's credit monitoring services and often report that they would recommend it to others. They receive an A+ from the Better Business Bureau and other positive reviews from third-parties. One of the reasons people like Credit Sesame so much is that it is free as long as you are using the basic services. A Platinum Protection membership is offered for $15.95/month for an annual membership or $19.95/month if you pay monthly. This also monitors your social security number, public records, and the use of your personal information on black market websites.

Real-time alerts

Credit Sesame offers real-time alerts so you know if changes have been made to your credit report. These might include address changes, tax liens, new credit cards, loan pre-approval, etc. Your credit is monitored daily and updated monthly, so you'll know as soon as something changes on your credit report. Credit Sesame's monitoring service tracks the credit reports issued by Equifax, Experian, and TransUnion.

Best Credit Monitoring Services

Easy to navigate

Some users prefer using Credit Sesame's app rather than the web version of the platform because it focuses on the most relevant features of credit monitoring. Here you can view detailed overviews of your loan payments, debt, interest rates, and credit utilization. Plenty of snapshot views of the dashboard are shown on the Credit Sesame website so you can see for yourself just how easy it is to navigate.

Product and loan recommendations

Credit Sesame gives product and loan recommendations based on your information including current credit score, home value, credit usage, loans, and debt-to-income ratio. Their technology will run 5,000 scenarios to predict how all the loans will perform over time and then narrow down available products that could help you save money. You will be matched with financial offers like the highest APY rate for a savings account, or rates for a new mortgage or car loan.

Impressive offering

Credit Sesame is a reliable, easy-to-use platform that will work for most customers wanting low-cost (or in this case, no cost) credit monitoring. We found that they lacked some of the resources that our highest-rated monitoring service has like calculators and community forums. However, Credit Sesame's blog and other help articles provide useful information to users. Overall, we are impressed with Credit Sesame's features and customer-oriented services.

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1 stars
Free Credit Score

FREE CREDIT SCORE

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Cost:

$24.99/month

After creating an account with Free Credit Report, customers gain instant access to their FICO score and Experian credit report for free. The free credit report is from Experian, whereas the premium membership comes with a three-bureau report. Scores are updated every 30 days. To gain access to the Experian CreditWorks Premium services, the cost is $4.99 the first month and then $24.99 for each additional month.

No identity theft insurance

Customers can get alerts about changes on their credit report including fraud, sign-ins, credit pulls, and more. Dark web surveillance is also in place to protect individuals from identity theft. Alerts are sent if it seems that someone else is trying to use your personal information. However, something lacking from Free Credit Report is identity theft insurance. Other credit reporting companies offer identity theft insurance up to $1 million of protection, but you won't find any of that at Free Credit Report.

Customer service hard to reach

It seems suspicious and frustrating that Free Credit Score doesn't offer a way to easily contact customer service. There is no email address, website contact form, or phone number provided. On the "Contact Us" page you are simply directed to a physical mailing address, which is not very helpful. When dealing with such sensitive information and services, we would like to have better access to customer service.

Hesitant to trust

Free Credit Score runs a blog that has not been updated since 2016. It does not seem like there is a lot of effort going into this service to keep it up-to-date. The fine print tells us that Free Credit Score is part of a family of companies that belongs to Consumerinfo.com Inc. and is owned by Experian. The out-of-date information makes us think there is not a lot of attention going towards Free Credit Score. Therefore, we are hesitant to trust them with personal information and we don't expect fully accurate credit information in return. We recommend skipping over Free Credit Score in your search for a credit monitoring service and trying one of our higher-rated sites.

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Continued from above

Aside from working to qualify for a loan or your next big career move, a big issue in the world today is identity theft. It is estimated that nine million Americans are victims of identity theft each year. Sometimes this can be caught by watching to see if your credit score takes a major hit. If this is the case, you can dispute the credit report and work to fix the problem. Working with a credit monitoring company that has good customer service to help you through potential issues is important.

Before choosing a credit monitoring service, we suggest you keep the following criteria in mind:

  • Cost. Will you be charged a monthly fee? How do rates compare to their competitors? Find a company that works to keep things budget-friendly.
  • Customer Service. It is important to have easy access to a knowledgeable customer service team that can clearly answer your questions. It can be frustrating to be left confused or jump through hoops to speak to an agent.
  • Resources. Is the website easy to navigate with plenty of straightforward options to manage your credit report? The company should be your advocate for helping you improve your credit score and find the lowest rates on purchases.

To help you identify the best credit monitoring service, TopConsumerReviews.com has reviewed and ranked a variety of options. We hope this information helps you find a credit monitoring company that will provide a good experience for you!

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