Best Reviews TopConsumerReviews.com Best Credit Monitoring Best Reviews
Best Reviews
      November 29, 2020

Home  >  Credit Monitoring  >  Credit Sesame vs Free Score 360

Best Credit

Monitoring Services

  1. My FICO
  2. Credit Sesame
  3. LifeLock
  4. Equifax
  5. Experian
  6. Credit Reporting
  7. Free Score 360
  8. Free Credit Score

Your Information Is Secure
101 Tips to Raise Your Credit Score Newsletter

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!

Latest Reviews

Auto Loans

Babysitters

Christmas Cards

Credit Counseling

DUI Lawyers

Fruit Clubs

Home Brew Beer Supplies

Homeschool Supplies

Music Publishing

Senior Care

 

Individual Reviews

Credit Karma

My FICO

Credit Sesame

LifeLock

Equifax

Experian

Credit Reporting

Free Score 360

Free Credit Score

 

Related Articles

How Often Should You Check Your Credit Report?

Why Is A Good Credit Score Helpful?

What Kind Of Information Will Your Credit Report Contain?

What Can You Do If Your Credit Report Is Wrong?

How You Can Raise Your Credit Score If Itís Low

 

Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.

Better Business Bureau Reliability Seal

Credit Sesame vs Free Score 360

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 Score 360.

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.

Continue reading below reviews

Best Reviews

2020

Credit Monitoring Reviews

4 stars
Credit Sesame

CREDIT SESAME

Visit Site

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.

Visit Site
1.5 stars
Free Score 360

FREE SCORE 360

Visit Site

Cost:

$29.95/month

It may seem appealing that Free Score 360 offers a 7-day free trial, but after the trial period, customers are charged $29.95 for membership. This is more expensive than most of the other credit monitoring services we reviewed.

Repeated charges

In order to cancel a membership, you'll have to reach customer service with an online form or by phone. There is no online chat feature on their website, but rather just the contact form. It seems concerning that you have to rely on getting ahold of customer service to cancel a membership. Many customers have complained that they were repeatedly charged for the services they no longer wanted.

Lack of resources

Free Score 360 is powered by ScoreSense. With the free trial and/or membership, customers receive access to daily credit monitoring and alerts, interactive tools and a learning center, and ScoreSense dispute center. Membership also comes with $1M in identity theft insurance. Additional resources are lacking at Free Score 360. There are no help articles, calculators, community forums, or other resources that would help individuals learn to build their credit.

Best Credit Monitoring Services

No clear description

The specifics of Free Score 360's services are vague. Rather than telling what their platform can do for customers, the website is full of obvious information about why good credit scores are important. Free Score 360 makes it clear that credit reports should be accurate, affordable, and thorough, but fail to explain how their services accomplish these things. Anyone who signs up for their services is taking a gamble on their services considering they do not give a clear explanation of what you are paying for.

Look for something more reliable

The Better Business Bureau gives Free Score 360 a B- rating, which is lower than all the other credit monitoring services we have reviewed. Due to the lack of unpaid features on the Free Score 360 website, we felt that they were more concerned about making quick money than truly helping customers. All throughout the website, there is a basic explanation of their services and repeated links to sign up for the services. We suggest using a more reputable-looking and helpful credit monitoring service.

Visit Site

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!

Here's what happens to your credit card debt when you die

Who's responsible for your credit card bills after you die? CNBC Select took a look at what happens to your credit card debt after death.

Published:  Sat, 21 Nov 2020 12:43:00 GMT



National Credit Report Review - Check Your Credit Scores From All 3 Bureaus With ScoreSense

No matter if you are a consumer or a business owner, we all are highly dependent on credit in todays world. If you are taking a loan or credit from any institution, your credit score matters a lot. If ...

Published:  Tue, 24 Nov 2020 19:09:00 GMT



Slim Credit History? CreditKarma Would You Like To Assist at no cost!

Slim Credit History? CreditKarma Would You Like To Assist at no cost! CreditKarma offers borrowers a means to check on and monitor their credit profile at zero cost. The business banking institutions ...

Published:  Fri, 27 Nov 2020 17:01:00 GMT



Best Credit Repair Companies: Top 7 Services of 2020

Published:  Sun, 22 Nov 2020 22:00:00 GMT



Leading Credit Repairing Company Helps People and Organizations Achieve Their Financial Goals Through Credit Repair Solutions

Alpha and Omega Credit Repair announces credit repairing and restoration solutions for clients looking to rebuild their credit score. Alpha and Omega Credit Repair, the ...

Published:  Tue, 24 Nov 2020 17:48:00 GMT



SMBC uses OakNorth's credit intelligence software to grow lending

The large Japanese lender joins PNC in taking the loan underwriting and monitoring system developed by a new lender to UK SMEs and tested through Covid.

Published:  Mon, 23 Nov 2020 10:03:00 GMT



DOJ Forces Credit Karma To Sell Tax Unit To Square To Clear $7.1 Billion Takeover By Intuit

Without the divestment, the acquisition would likely result in higher prices for online do-it-yourself tax preparation, the DOJ said Wednesday.

Published:  Wed, 25 Nov 2020 09:44:00 GMT



Share Us!   

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure