Credit Sesame
Community Rating
Credit Sesame is a free credit monitoring service with a focus on helping you improve your credit score. They offer tools and resources to understand your credit, identify areas for improvement, and take action to build a better credit profile.
Features
- Personalized credit recommendations
- Free Credit Score Monitor
- Credit card and loan offers
- ID theft protection tools
- Budgeting and financial planning resources
Hours of Operation
Credit Sesame itself doesn’t have specific business hours as it’s an online service. However, their customer service department likely operates during standard business hours, typically Monday to Friday from 9 am to 5 pm PST. You can find contact information for Credit Sesame’s customer service on their website.
Contact
444 Castro Street, Suite 500, Mountain View, CA 94041 (Note: This is for mailing only, not in-person visits)
- Website: Visit
Email: Credit Sesame doesn’t provide a general email address for inquiries. However, they do have specific email addresses for different purposes:
- For Corporate & Funding inquiries: corporate@creditsesame.com
- For Media & Public Relations inquiries: media-relations@creditsesame.com
- For Careers & Recruitment inquiries: recruiting@creditsesame.com
- For Privacy & Security inquiries: privacy@creditsesame.com
Credit Sesame Review
Credit Sesame is a free credit monitoring service that helps you track your credit score and report. They go beyond just showing your score and offer tools and resources to understand your credit health and improve it.
Pros
- Free credit score & monitoring: Get daily updates on your TransUnion VantageScore 3.0 and see how factors affect it.
- Credit improvement tools: Credit Sesame analyzes your report and offers personalized suggestions to raise your score.
- Free identity theft protection (basic): Get alerts for suspicious activity and tools to help prevent identity theft.
- Budgeting & financial resources (limited): Access basic financial tools to manage your money better.
- Credit card & loan offers: Find credit products with a high chance of approval based on your credit profile.
- Completely free (basic features): No credit card required to use the core features.
Cons
- Limited free credit score: Only monitors TransUnion VantageScore 3.0, not used by all lenders (FICO score more common).
- Limited free ID protection: More comprehensive protection requires a paid plan.
- Basic financial tools: May not be sufficient for complex financial planning.
- Upsells & promotions: The free service includes credit card and loan offers, which can be seen as intrusive.
- Limited customer support: Free plan has restricted access to customer service representatives.
Overall
Credit Sesame is a good option for those who want a free and easy way to monitor their credit score and take basic steps to improve it. The free identity theft protection and financial resources are a plus. However, be aware of the limitations of the free plan, such as the VantageScore and lack of full credit bureau monitoring. If you need more comprehensive features like FICO scores, advanced ID protection, or in-depth financial tools, you may need to consider a paid plan or explore other credit monitoring services.