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My FICO vs Credit Sesame

Best Credit Monitoring

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

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
My FICO

MY FICO

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Cost:

From $19.95 to $39.95/month

My FICO offers four plans: basic ($19.95), advanced ($29.95), premier ($39.95), and a family plan ($49.95). All of the plans come with the ability to view your FICO Score. This is the calculation used by most lenders to gauge financial responsibility. The four plans from My FICO come with similar features, but the premier plan is the most robust.

The credit monitoring service offered by My FICO includes the following:

  • Complete 3-bureau coverage
  • Updates every month
  • FICO Scores
  • Scores for mortgage, auto loans & more
  • Credit reports
  • Score and credit monitoring
  • $1 million identity theft insurance
  • 24x7 identity restoration
  • Identity monitoring

The FICO Family advanced plan covers 3-bureau quarterly reports and FICO score updates for 2 adults, 3-bureau credit monitoring and FICO score alerts for 2 adults, identity theft monitoring for 2 adults and up to 10 children, and fraud resolution and up to $1 million in identity theft insurance for the whole family.

The FICO score from My FICO comes from reports from Experian, TransUnion, and Equifax. You can view reports side-by-side to spot potential errors and understand score discrepancies. My FICO constantly monitors credit files and sends notifications regarding changes like inquiries, address changes, late payments, and new accounts.

Other helpful pages from My FICO include FAQ, credit education, blog, and a community forum. The community forum allows customers to ask questions and get help from others on a variety of topics including credit card discrepancies, bank cards, paying off debts, and more. Help videos are available on the website as an additional way to help users understand the basics of building credit scores, paying off debts, and using the My FICO platform.

The Better Business Bureau gives My FICO an A+ rating. We like that individuals can find out their actual FICO score from My FICO, rather than just going off of their VantageScore. FICO scores are more accurate and reliable for those who are seriously considering taking out a large loan or applying for housing. Although the plans are more costly than some competitors, it may be worth it for those wanting long-term FICO credit monitoring for themselves and/or their family.

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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.

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.

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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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