Credit Sesame Review: Best Budget Credit Monitoring Service

Credit Sesame doesn’t offer as much coverage as more expensive credit monitoring services, but it’s still a great and inexpensive option with positive customer reviews.

It is a great choice if you want to monitor your credit but don’t have a lot of extra cash on hand. It offers good credit monitoring at a low monthly price, and there’s even a free option—it’s less thorough, but it’s better than no credit monitoring at all.

Credit Sesame offers lower prices than a lot of its competitors. Its plans aren’t as comprehensive as more expensive options like IdentityForce, but Credit Sesame’s plans still cover the basics and then some.

Credit Sesame’s free membership includes some basic perks that make it a good fit for someone who wants to casually monitor their credit or is just starting to establish their credit.

It’s a good way to introduce yourself to what credit means, check your credit, and understand how your financial situation can affect your credit score.

• Basic credit monitoring
• A glimpse into your loan standing
• Monthly credit score reports (TransUnion only)
• $50,000 in identity theft insurance

• Everything from Free plan
• Daily credit score updates (1 bureau)
• Credit score monitoring (1 bureau)
• Monthly credit score and report (3 bureaus)

At $15.95 a month, Credit Sesame’s Pro Credit plan is still relatively inexpensive, especially compared to the comparable plans from other brands: IdentityForce’s lowest-priced plan is $23.95 per month. And Experian CreditWorks’s lowest-cost plan is $24.99 per month.

Finally, there’s the Platinum Protection plan. You’ll get the perks of the Pro Credit plan, plus all the extras like lost or stolen wallet protection, Social Security number and public records monitoring. It also increases the identity theft insurance amount to $1 million.

• Everything from Pro Credit plan
• Lost or stolen wallet protection
• Social Security number monitoring
• Public records monitoring
• $1 million in identity theft insurance

Credit Sesame’s main focus is credit monitoring. The Platinum Protection plan offers some identity theft protection, covering up to $1 million in fees to restore your identity if you’re ever a victim of identity theft. But Credit Sesame is less comprehensive in terms of protecting your identity before its stolen.

ASecureLife’s recommendation: If you want a service that helps you take proactive steps to protect both your identity and your credit, we recommend these more thorough identity theft protection services.

Signing up for an account with Credit Sesame is super easy. You enter a bit about yourself—name, address, the last four digits of your Social Security number—choose a password, and instantly get access to your credit standing.

We also like that all three paid Credit Sesame subscriptions give you a monthly credit score and credit reports from all three bureaus: Experian, Equifax and TransUnion.

Plus, the Pro Credit and Platinum Protection plans include daily credit monitoring from all three credit bureaus. Both these perks make checking your credit and keeping an eye on your finances relatively easy.

Overall, customers are satisfied with Credit Sesame’s offerings. The majority of online reviews are positive, and customers are especially impressed with Credit Sesame’s lack of runaround.

Cancelling is pretty straightforward for free memberships. For paid memberships, you have to send a request to member support, explaining why you want to cancel your subscription, and wait until the end of your monthly billing period.

Overall, we recommend Credit Sesame’s Pro Credit plan. It’s fairly inexpensive, but it comes with some great perks: updates on any loans you have, credit monitoring from all three bureaus, a monthly credit score from all three bureaus and a daily credit score.

Plus, it offers 24/7 assistance if you have any questions or concerns about your credit score.

>>Get your money right. View Credit Sesame’s subscription plans.