1. Credit Sesame

    Great Credit Monitoring & Protection
    Free Plan Available, Paid Plans Provide Best Protection

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Credit Sesame Ratings

  • Protection

    Overall Protection of your ID

  • Price

    How Well Are They Priced

    Free - $19.95
    • Basic Protection

    • Advanced Credit

    • Pro Credit

    • Platinum Protection

  • Member Services

    Customer Care & Support

  • Recovery Package

    ID Theft Coverage

  • Additional Services

    Credit Reports, Anti-Virus, and More

  • Awards & Accolades

    Achievements & Recognition

  • Customer Experience

    What Real Customers Think

  • Expert Review

    What Our Experts Think

  • This Review is maintained by ASR Staff

    Review Last Updated :

Expert Reviews

Credit Sesame Review

Credit Sesame has free credit reports and monitoring, financial tips from experts and insurance for identity theft expenses. They also offer free identity alert protection. The site does not ask for a credit card for their basic plan, and their recommendations are entirely unbiased by sponsors. Credit Sesame also states you can save money by showing you better credit offers or interest rates on your loans. Their site has been approved by Verisign in terms of providing worthwhile encryption to give their members a secure website to sign up with.

What We Like Credit Sesame positives

Obviously the word ‘free’ caught our attention quickly, and this service has been mentioned by the Today Show, The New York Times and Wall Street Journal. That’s an impressive group of media to be recognized by. They offer more services than identity protection company’s (including $50,000 worth of insurance) that cost $20 or more a month, and they offer different plans if you want additional services. They even offer fraud assistance under their free plan, though if you want 24/7 support, you’d have to sign up for the paid plans.

They’ve also been written up by a variety of independent groups with flying colors, and received multiple awards.

What We Don’t Like Credit Sesame negatives

The site is a little inconclusive about how it all works until you get to the payment screen. It seems that they may be offering full identity theft protection, but the free plan only covers TransUnion’s information. While you’ll generally find the same score across all 3 platforms, it’s helpful to have more information than that. Creditkarma.com offers you information from two of the bureaus for free, plus a report card and insight into your finances too. However, their alerts and insurance plan seem second to none, which is quite a service to offer to your members.

The Bottom Line

If you’re concerned about your identity, but don’t want to part with your money to stop thieves, then this may be company for you. The features are even more elaborate than other free websites, and their devotion seems pure to keeping you safe from identity thieves. It may be worth signing up through a different service though if you want the full scale protection. Their prices are reasonable, but you may actually find better deals for more exhaustive services through a more established company when it comes to going through the Dark Web for information.

How It Works

How Credit Sesame Identity Protection Works

Credit Sesame offers several plans, and you can get the following full protection below with their Platinum plan or fewer services with their other options.

Credit Score and Monitoring: Get alerts when there’s a change on your credit reports or home value, along with your score every month. Credit Sesame offers consistent monitoring, so you always stay informed.

Lost Wallet: Receive full assistance for canceling and alerting the proper parties if your wallet is lost or stolen.

Dark Web Monitoring: Searches illegal websites to see if your information pops up anywhere it shouldn’t be.

Public Record and Social Security Monitoring: Searches additional records to ensure your information is correct and being used by the proper people.

Dispute Center: Review any inaccuracies on your reports or information with trained professionals at any hour of the day.

Insurance: Receive up to $50,000 worth of insurance and fraud resolution assistance should you become a victim of identity theft for free and up to $1 million on their Platinum Plan.

Insights: See the factors that are directly influencing your credit score and get an idea of how well you’re performing relative to your peers. If you’re overpaying on loans or interest rates, Credit Sesame will let you know, so you decide where to go from there.

Compiling Your Information: Credit Sesame’s algorithm puts your debts, scores and additional credit information all in one easy-to-access location. It can make your financial health be more transparent while showing you connections you may not have noticed before.

Secure Site and Mobile Options: Credit Sesame has obviously understood just how much hackers have done to infiltrate even the top retailers’ computer systems. Enjoy a mobile app and site that has the power of encryption behind it. This means that if hackers do manage to breach the protections in place, all they’ll see is gibberish.

Web Tools: You’ll also be able to access a variety of educational tips and information about loans and credit on their website. The tools can show you if you would save money by refinancing and how you can pare down your debt.

Plans & Pricing

Credit Sesame Plans and Pricing

There are four types of plans available with the following services available. Each plan includes the same basic features of the one before it, unless otherwise noted. The one-bureau monthly full report refers to your entire credit file from TransUnion, while the three-bureau full reports shows you the full file from Equifax, Experian and TransUnion.

  • TransUnion Monthly Credit Reports
  • TransUnion Daily Monitoring and Alerts
  • Compilation of Credit Information
  • Educational Tips
  • $50,000 Insurance
  • Personal Insights and Financial Tips
  • Mobile App
  • Price: Free

Advanced Credit

  • 24/7 Support
  • TransUnion Monthly Full Report
  • Regular Price: $9.95/mo

Pro Credit

  • 3 Bureau Monthly Credit Reports
  • 3 Bureau Daily Monitoring and Alerts
  • 3 Bureaus Monthly Full Reports
  • Regular Price: $15.95/mo

Platinum Protection

  • Full Service Identity Restoration
  • 24/7 Dispute Center
  • 24/7 Lost Wallet Support
  • Dark Web Monitoring
  • Public Record Monitoring
  • Social Security Monitoring
  • Regular Price: 19.95/mo
Member Services

Credit Sesame Member Support

You can sign up on their website for the free plan, and you can also contact them through Facebook, Google +, Linked In, Twitter or by the below email addresses. It appears you’ll need to enroll for the paid plans to receive the numbers to call for assistance.

Consumer Inquiries: help@creditsesame.com

General Inquiries: info@creditsesame.com

More Info

Credit Sesame History & Additional Information

CEO Adrian Nazari started Credit Sesame after serving as CEO of Financial Crossing & Financial Circuit. He received his MBA from Stanford and is devoted to getting affordable credit services to the average consumer. Credit Sesame has won a Consumer World Award, a U.S. Mobile and App Design Award, an Interactive Media Award, a Gold Stevie Award, an American Business Award, a Best in Biz Award, a Red Herring Top 100 Award and a Mom’s Choice Award. Their full site gives you information on practically everything you would want to know about credit, and the information is updated on a regular basis. Site is easy to navigate and perfect for anyone who cares about their finance profile.

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