Credit Sesame 2020 Review: Is Credit Sesame legit?

Find out what you need to look for when picking a credit monitoring company. The right company provides accurate scoring (& protects your ID)!

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Credit Sesame has an A+ rating w/ the BBB. They have been helping their customers keep an eye on their credit since 2011. These alerts let customers fix problems. Want to get the most from credit monitoring? Team up w/ a reputable credit repair expert — like Credit Glory — then you're equipped to squash credit problems (fast)!

Who is Credit Sesame (& do they provide accurate scores)?

Credit Sesame offers credit monitoring services for those who are ready to take control financially. If you're planning on buying a home, a car, or need a loan, monitoring your credit is vital. Why? Nasty credit score (& report) related surprises can throw a wrench in your plans (@ the worst possible time).

The crux to credit monitoring services? How accurately they report your score. Sure, the cost, reviews, and additional services are significant too — but w/o a precise score, how legitimate can they be? There is good news. Most credit reporting companies (including Credit Sesame) provide accurate, up-to-date scores.

If you're unhappy about the reported score, you aren't helpless. The (most efficient) solution? Partner w/ a reputable, credit repair professional (like Credit Glory) & find+correct mistakes (boosting your score).

3 critical items you need to consider before monitoring your credit

1. If you aren't monitoring your credit, you need to be.

If you're planning on getting a loan, you need to know your credit score first. Using credit monitoring tells you your score — and it also alerts you when there are changes. Knowing about potential identity theft, fraud, or data breaches prevents your credit score from taking serious hits. Additionally, knowing your score helps you set goals and plan, so you can get a low rate (& great deal) on a loan.

2. Don't get scammed by illegitimate credit monitoring services.

Credit monitoring at a low price (or free) sounds like a deal, right? Wrong, this is a big red flag that it may be a scam. You also encounter another (big) reason to proceed with caution. Signing up for a credit monitoring service involves sharing sensitive information. What can you do for security?

The best way to protect yourself (& your identity) is looking for common red flags. A few are:

  • Asking for personal information over the phone or email.
  • Requiring payment through money order or gift cards.
  • Poor ratings or customer reviews with an accredited agency (like the BBB).

Last, and certainly not least, do your due diligence. Anytime you fork over personal information to a company you need to do your research & verify credibility. The good news? You're reading this review, so you're too smart to be grifted by con-artists.

3. An essential (& often overlooked) component of credit monitoring - identity protection (& does Credit Sesame offer it?)

Good credit requires more than just monitoring. A critical component? Identity Protection. Without ID protection fraudsters could wreck your credit in the blink of an eye. In fact, according to the FTC, 9 million identities are stolen every year! The bottom line? You need identity protection w/ your credit monitoring package.

The bad news? Credit Sesame doesn't include ID protection in their plan. Without this crucial component, you are missing out on a more comprehensive monitoring.

What's the verdict on Credit Sesame's credit monitoring — legit or scam?

  • Can you sign up for free? - Credit Sesame offers credit monitoring for free and doesn't require a credit card to sign up.
  • Is it safe to monitor credit with Credit Sesame? - Credit Sesame is a highly rated credit monitoring company, so your information is in good hands.
  • Do they offer an app? - They have a great app for all mobile platforms.
  • Is there a cost to cancel? - Credit monitoring w/ Credit Sesame requires no commitments and you can cancel at any time.
  • Do they include ID protection? - ID protection is not included as part of their credit monitoring plan.
  • What makes Credit Sesame special? - They offer free credit monitoring that doesn't require a commitment or a credit card.
  • Will checking my credit score with Credit Sesame lower my score? - Checking your score with a credit monitoring company doesn't reduce your score.

Our recommendation: should you work with Credit Sesame to monitor your credit?

Credit Sesame is a great option for free credit monitoring. They don't offer identity protection, so you'll want to keep that in mind. A better choice? Partner with IdentityIQ for complete protection.

Why IdentityIQ is the best credit monitoring service for you (over Credit Sesame)

Monitoring your credit is great, but what about your identity? For complete protection, you need a partner that protects your identity too. That’s where IdentityIQ comes in and offers a better solution than Credit Sesame.

Besides credit monitoring, they monitor the dark web and let you know if something fishy is going on. What if someone steals your identity? IdentityIQ provides up to $1M in stolen funds coverage.

What credit monitoring does & doesn't do for you

First, let's start with what credit monitoring does do for you. Every company (& monitoring plan) has different aspects that they track. In general, monitored items include several principal areas such as:

  • (Hard) Inquiries
  • New accounts opened
  • Current balances
  • Payment history
  • Bankruptcies

This watchdog is a powerful tool — but there are limitations. It functions like an alarm. It alerts you to an issue, but handling the problem is up to you. Dealing with inaccurate (or incorrectly reported) items in these areas is an entirely new problem that monitoring alone can't solve. This is where credit repair, either on your own or with an experienced expert, saves the day.

Credit monitoring + credit repair: A holistic approach to your credit

Credit monitoring is only half the equation for healthy credit. The other half? Credit repair. Credit monitoring alerts you to errors — but doesn't fix them. Removing the errors (& boosting your score) is a job for credit repair.

You could take on a notoriously convoluted credit industry and repair on your own (good luck w/ that). The better way? Partner with a reputable credit repair company (like Credit Glory). Credit Glory has the experience to fix errors in all areas monitored by credit monitoring companies.

Why Credit Glory + IdentityIQ = your best credit score

  • Identify (& fix) errors quicker - Combining credit repair & monitoring, puts you in the driver's seat. You're equipped to handle any credit issues that come your way.
  • Boost your financial confidence - An expert team — ready to pounce on any credit issues — gives you the confidence to reach your financial goals. You can apply for the loans you deserve (w/o worrying about credit surprises).
  • Take control of your finances - Monitoring your credit and hiring a company to correct mistakes is the smart move. It puts you in control of your credit (& future). Nothing says you're serious about your goals like taking charge of your finances.

Boost your score with Credit Glory

Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up.  The good news?  Our team of credit repair professionals are here to simplify everything!  Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)

Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.

Call us at (855) 938-3044 or setup a consultation to get started, today!

Why choose Credit Glory?

Popular Alternative 1
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$99/m (+ small, one-time $100 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
Mon - Fri: 9AM - 8PM
Sat & Sun: 9AM - 5PM
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
Money-back guarantee
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of October 28th, 2020

Supercharge Your Future & Credit Score, Today!

Reclaim your financial freedom and speak with a live credit specialist for your free consultation, right now (we're here 24/7) 855 938-3044.