Free Credit Score – Credit Sesame Review

Today I am reviewing a product that I personally use myself. I am not paid to write this review but there are affiliate links in the article. On to the review!

So What is Credit Sesame?

Credit Sesame is a great free tool I discovered many months ago. It is one of a couple websites that will actually give you a credit score for free! Do I have your attention yet?

You fill out your information that is required to pull your credit score and answer the questions to verify your identity and *POOF!* your credit score pops up. They pull Experian’s National Equivalency Score which is not your FICO score but my guess is it is going to be in the same ballpark. Don’t worry though, it won’t lower your credit score because they perform a soft pull and those don’t ding your credit score.

Credit Sesame displays your credit score for you to see and they don’t charge you one penny! They don’t even require credit card information so there is absolutely no way they can charge you. On top of this they automatically update your score once a month. So what else does Credit Sesame do?

Your Credit Score Isn’t All Credit Sesame Pulls

Credit Sesame takes the information from your credit report (which they don’t show you, unfortunately) and build all sorts of neat infographs too! Credit Sesame totals up your debt balances and monthly payments and puts them all in one place and even breaks them out by category (mortgages, credit cards, etc). I would have hoped you already know this information but if you don’t this is the easiest way to do it. It doesn’t break out individual debts but it does have the totals by category.

So What Is the Catch?

Of course if this is all that happened they wouldn’t make any money… They do try to sell you a credit report for $9, but as you know from my post How to Pull Your Free Annual Credit Report you can already pull one copy from each bureau once a year for a total of three credit reports for free. Credit Sesame also suggests other types of loans, credit cards and mortgages that they think can save you money.

Should You Apply for Any of the Credit Sesame Offers?

If they make sense and actually save you money it might make sense. However, you need to do your own homework and make sure you can’t get a better deal yourself. They do get a cut from any product that you end up buying through their offers so keep in mind that they may not have all of the best options available.

In Review, is Credit Sesame a Good Tool?

I think Credit Sesame is an amazing tool if you just want to see what your credit score is and have the common sense to not sign up for anything else they offer. However, I bet a lot of people do click on their other offers. You’ll still likely save some money but I am betting you’d be able to find a better deal elsewhere. For me I just check monthly for my updated credit score and leave so it is a great tool for me.

So if you’re interested in finding out your credit score without paying for it head on over to Credit Sesame yourself! I visit Credit Sesame monthly and enjoy watching what happens whenever something in my credit changes.

Have you used Credit Sesame? Feel free to share your thoughts below!

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About Lance Cothern

Lance Cothern, a Certified Public Accountant (CPA) licensed in the Commonwealth of Virginia, is the founder of Money Manifesto. You can read more about him here or connect with him on Facebook, Twitter, Google+ or Pinterest.


  1. Haven’t heard of Credit Sesame before, will have to check it out.

  2. It is good to routinely check your credit although there are free resources out there.

  3. I use it to check my credit score as well but don’t pay attention to anything else they offer.

  4. I’ve never actually tried this, but I have checked my report before. This is great as long as you don’t let yourself buy anything unnecessary. I like what you’re doing here with the affiliate links – its refreshing to get a real review of a product.

  5. That is great. I had never heard of that before- good to know!

    Have a great day!

  6. Ornella @ Moneylicious says:

    They sound a little similar to Credit Karma.
    Great article and review:-)

  7. We rocked this and got our score for free, and thanks for the heads up on avoiding the other offers. Why is it that my wife is always like 10 points above me? I don’t know how to pass her? Any tips?

    • Probably because your wife has better credit than you! All kidding aside as long as you both have decent scores it doesn’t really matter. If you qualify for the best rates that is all that matters.

  8. Good review Lance. I haven’t used Credit Sesame since I assume it is for Americans only. Since it’s free and doesn’t hurt your credit score, it definitely would be a good idea to periodically check your credit score like this. It would be much better than finding out about problems when you actually need to use your credit for something like a loan or mortgage.

  9. I haven’t heard of Credit Sesame but might give it a try. It isn’t one of those where you have to sign up with your credit card and cancel within 30 days is it? I always forget to do that and end up with a charge that I have to call and get cancelled.

  10. Nice I was looking for something like this, about to buy a house next year and just want to check my score. Thanks Lance

  11. I haven’t used it, but like you, I’ve thought I should try it out so I can write about it as a review. Thanks for beating me to it! Duh!

  12. It’s a great tool to get free credit score. Just get your credit and go for exit.

  13. Kevin - Family Benefits says:

    The scores provided are a valid equivalent to the FICO score. It is a collaborative effort between the three credit bureaus to cut the royalties paid to Fair Issac, the developer of the FICO score.

    Most scores work in a similar fashion, and most lenders do not rely on FICO alone anyway. You can absolutely trust the data you get.

  14. I like credit sesame, I use it to compare my score to my Credit karma score. But I use credit karma and AAA for their free credit monitoring services..

  15. I’ve checked this website out and it’s more than ok your score isn’t the only free offer you can get I urge you to read and pay attention and don’t buy anything your not sure about with that said kool site

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