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Review of: Credit Sesame
Price:
Free

Reviewed by:
Rating:
5
On April 16, 2015
Last modified:October 5, 2016

Summary:

A great free tool to check and monitor your credit.

I am always on the lookout for good, free financial tools. I heard about Credit Sesame and how you could check your credit score for free, but wanted to make sure that it was legit.

Here is my review

Credit Sesame has a comprehensive website that can help you make smart borrowing decisions in a number of ways. Pertaining to credit cards, Credit Sesame has a detailed website tool that shares the interest rate, balance transfer information and fee information on over 100 available credit cards. In this way, Credit Sesame helps consumers feel more confident that they are using the credit card which best fits their individual needs, whether it be through finding them the right card for balance transfers, for rewards programs or for everyday use.

Searching for the best suited credit card is easy with Credit Sesame with the help of easy-to-use search tools based on a variety of credit card categories such as “Best Cards”, “Balance Transfer Cards”, “Low Interest Cards”, “Rewards Cards”, “Cash Back Cards”, and various other categories. The comprehensive search tool allows clients to customize their credit card search without having to browse the Internet for days on end looking for the best credit card for their needs. With Credit Sesame’s easy search tools, the best available credit card deals are listed in one convenient place: the Credit Sesame web site – thereby making your search for the best credit card infinitely easier.

Credit Sesame also has a similar search page for helping consumers find the best deal on mortgage loans. Simply enter in the purchase price of the home you want to buy – along with the amount of your down payment – the zip code in which the home resides, your income and your credit score, and their comprehensive search system will help find the best interest rates for your particular mortgage needs. Because their financial experts have access to hundreds of available mortgage lenders, clients can be sure when they use Credit Sesame to find a mortgage lender, they are confidently gaining access to the mortgage lenders that will provide them with great interest rates and low closing costs. Because each customer’s mortgage needs are different, it is important to search for a variety of mortgage lender companies to help ensure you choose the mortgage that helps put your best financial foot forward. Credit Sesame has the experience, the tools, and the expertly-trained staff to help you do just that.

Whether you’re looking for a 30-year or a 15-year mortgage loan, you can find what you need at the best rate available for your individual mortgage situation.

If you’re in the market for a new car, Credit Sesame can help. Offering services such as auto insurance quote comparisons with top companies around the nation and searching auto loan interest rates from national and local lenders in your area, thy help ensure you can manage your auto spending in a way that helps you keep more money in your pocket that might otherwise go to lenders. Paying interest is often a part of holding an auto loan; however, it’s never wise to pay a higher interest rate than you have to – based on your individual credit situation. With Credit Sesame, you can rely on receiving a fair interest rate for your auto lending and auto insurance needs.

Looking for the best deals on your personal banking needs? Credit Sesame can help you there as well. With access to the best banks and credit unions available for personal loan rates, CD rates, savings account rates and Money Market rates, Credit Sesame can help you set up bank accounts and personal loans that will maximize your earnings while minimizing your interest costs. Their highly educated staff are familiar with a widely diverse variety of options available for the best in personal banking choices – from companies that will treat clients the way they deserve to be treated, and pay them the highest interest returns available in today’s market for their individual financial situations.

Keep Your Credit Score and Identity Safe

Credit Sesame goes above and beyond caring for their clients, especially when assisting clients in not only understanding their credit score but to monitor their credit report as well.

Keeping consistent track of your credit score and your credit report information goes a long way in not only preventing long-term damage from credit reporting errors but also aids in helping to deter would-be credit thieves from doing serious damage to your credit and your identity should a thief get access to your credit reporting information.

Credit Sesame screenshot

Image credit: CreditSesame.com

Recent studies show at least 1 out of every 20 people are victims of identity theft and credit fraud and as much as 25 to 50 billion dollars is stolen every year through various identity theft methods. That is cold hard cash leaving the pockets of credit card companies, banks, and yes, consumers like yourself as well.

By helping clients keep tabs on their credit score and on their credit report, Credit Sesame provides front-line protection from credit reporting errors and potential identity theft – whether it be through a stolen credit card, a medical theft situation or an incorrect bill on their credit reports.

Their identity theft experts have put together an ID theft program that covers all aspects of ID theft recovery. Their Premium ID Theft program offers between $50,000 and $1,000,000 in identity theft insurance coverage, downloadable monthly credit reports, and regular credit monitoring and analysis for any potential problems with your credit report.

The Premium ID theft program offers:credit sesame over the words identity theft insurance

  • Identity Restoration Services
  • Credit Dispute Resolution Services available 24 hours a day, 7 days a week
  • Stolen/Lost Wallet Resolution Services available 24 hours a day, 7 days a week
  • Public Records Monitoring
  • Social Security Number Monitoring

Yes, that is right, they offer social security number monitoring as well. Thieves use a stolen social security number in a variety of ways in order to gain the benefits that belong to you. Not only do identity thieves use the stolen numbers to open credit accounts and obtain free medical care, but more hauntingly, they use stolen numbers to gain access to government benefits that belong to unsuspecting consumers. Their “Premium ID Theft” program helps protect your credit report and social security number from a growing occurrence of a wide variety of “new wave” identity theft crimes. These crimes range from social security pension theft, social security disability theft, and other thefts involving the use of a stolen social security number and government benefits.

With such comprehensive services available from the expert staff, you’ve all but guaranteed your protection against would-be credit thieves looking to gain access to your credit reputation for the purpose of committing fraud and theft against the credit reputation you’ve worked so hard to gain. Do not take a chance on letting would-be criminals destroy your credit and your reputation. Instead, look to the staff at Credit Sesame to help protect your credit report, your identity and your reputation as you focus on building wealth and creating a financial peace of mind for both your family and for yourself.

Credit Sesame believes that by helping consumers with every aspect of their financial planning – whether it be investing, borrowing, and credit monitoring, it can offer a full-service financial package to a wide variety of consumers who are in all sorts of different stages of financial planning.

Check out the Credit Sesame web site today and learn more about the array of comprehensive services they have to offer. There is sure to be a product or service available that can assist you in achieving a more financially sound and secure life.