Best Reviews TopConsumerReviews.com Best Credit Monitoring Best Reviews
Best Reviews
      April 10, 2020

Home  >  Credit Monitoring  >  Credit Sesame vs LifeLock

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!
  • Compare

Latest Reviews

Andropause

Auto Parts

Bad Credit Loans

Bed Bugs

Credit Monitoring

Cupcake Clubs

Home Gyms

Online Backup

Rowing Machines

Scar Creams

 

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 LifeLock

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 LifeLock.

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.

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.

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.

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.

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
3 stars
LifeLock

LIFELOCK

Visit Site

Cost:

From $9.99 to $34.99/month

In addition to credit monitoring, LifeLock offers other services in the realm of cyber security to protect household devices and give parental controls to families. Four package options are available for customers looking for identity protection services. The package costs range from $9.99 to $34.99 and all pricing goes up after the first year. The price range depends on the extent of services needed by the customer.

The most thorough and expensive package is the Norton 360 with LifeLock Ultimate Plus. This package includes includes:

  • Identity and Social Security alerts
  • Credit Monitoring: Three Bureaus
  • Security for Unlimited Devices
  • VPN for Unlimited Personal Devices
  • Bank Account & Credit Card Activity Alerts
  • Alerts on Crimes Committed in Your Name
  • Annual Three Bureau Credit Reports and Credit Scores
  • 401(k) and Investment Activity Alerts

LifeLock's pricing is on the higher end of the spectrum when compared to competing companies that offer similar services. Their package options do not include features that are vastly different from other companies offering similar services. Something LifeLock lacks is a good family plan. Children can be added to receive coverage for an extra $5.99 a month, but spouses must purchase a separate plan for themselves.

The Better Business Bureau give LifeLock an A- rating. Other customers give average feedback about the services received by LifeLock. Many people are frustrated with overly heavy marketing efforts. Some report being bombarded with emails and physical mail. In 2015, the Federal Trade Commission brought allegations against LifeLock after people complained that they did not provide the services they advertised.

LifeLock's actual services seem to be satisfactory to customers who use them. Despite their customer complaints, luckily they have never experienced a security breach that would put their customers at risk. We feel their pricing is quite a bit higher than other companies who provide similar services. Rather than just focusing on credit monitoring and helping individuals improve their credit scores, LifeLock puts efforts into cyber security. For credit monitoring specifically, we suggest using a higher-rated site.

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!

Anyone Worried About Their Credit Score Right Now Can Check It for Free

All you have to do is sign up for the service, and you'll get a free FICO credit score - along with access to free credit monitoring. "We believe complete financial transparency is a consumer right, ...

Published:  Mon, 06 Apr 2020 22:01:00 GMT



Customers Bank enlists OakNorth to boost credit monitoring and portfolio management

OakNorth, the next-generation credit and monitoring platform, today announces the signing of a commercial agreement with Customers Bank (NYSE: CUBI), which is a full-service bank that provides a range ...

Published:  Wed, 08 Apr 2020 12:01:00 GMT



'Don't sweat your credit score right now,' expert says amid coronavirus outbreak

It may seem obvious, yet when people are overwhelmed in an emergency, it's normal to focus on what you feel like you can control. Monitoring your credit score may seem more manageable than worrying ...

Published:  Wed, 08 Apr 2020 12:16:00 GMT



How to watch your credit score for free during the current crisis

All you have to do is sign up for the service, and you'll get a free FICO credit score - along with access to free credit monitoring. Load Error "We believe complete financial transparency is a ...

Published:  Mon, 06 Apr 2020 16:06:00 GMT



'Jamf Parent' watchOS app targeted at monitoring remote learners

The new Jamf Parent app ties in with existing Jamf suites and gives parents real-time management over school-issued devices that may be at home now. Image Credit: Apple As school closures continue ...

Published:  Wed, 01 Apr 2020 10:39:00 GMT



Applied for a small business disaster loan? Monitor your credit ASAP

Monitoring your personal and business credit has never been more important. The SBA disaster loan application process currently requires both a personal and business credit check. Fraud has already ...

Published:  Tue, 31 Mar 2020 02:30:00 GMT



Bryan v. Credit Control LLC

The Cardmember Agreement states that Kohl's services the accounts, and the Program Agreement specifies that Kohl's is responsible for, among other things, processing credit applications, establishing ...

Published:  Wed, 08 Apr 2020 21:00:00 GMT



Your Credit Report: Everything You Need to Know

"Addressing errors on your report is not a quick fix. It can take several months to have an error removed from your credit report, so you should be monitoring to give yourself more time to address the ...

Published:  Sun, 05 Apr 2020 17:00:00 GMT



Dear Penny: My credit score may drop due to COVID-19. Can I recover?

Will interest accrue during that period? If your bank agrees not to report negative information to the credit bureaus, make sure you're monitoring your credit so that you can dispute any black marks ...

Published:  Mon, 30 Mar 2020 06:09:00 GMT



Share Us!   

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure