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Credit Sesame Now Offers Free Credit Monitoring

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This week, we released the first-ever free credit monitoring service that tracks Experian data. Now staying on top of your credit is easier than ever.

It tracks more than 40 different credit activities (listed below) and is designed to send you daily alerts when changes in your credit report occur such as a balance change, address change or when a new account is opened.

This helps you:

  • Protect and improve your credit standing
  • Detect and limit identity theft damage
  • Get complete transparency into what is being reported to the credit bureau

You’ll have the option of receiving the credit monitoring alerts via your Credit Sesame account, phone (SMS messages) or by email. Alternatively, you choose to receive notifications through our app, so you can enjoy the benefits of credit monitoring on the go.

Some people pay $200* per year to monitor their credit, but Credit Sesame provides it for free. There are no enrollment fees, but if you ever want to stop receiving alerts, you can opt-out at any time.

Ready to try it? Enroll now!

*On average, firms charge a monthly fee of $16.82 for credit monitoring (based on providers listed on Next Advisor 11/2012), which totals to $200 per year. The cost among most providers ranges from $10 – $30 per month.

The more than 40 credit activities our service tracks include alerts regarding: 

Security

  • Lost or stolen credit card
  • Address change
  • Fraud alerts

New Accounts

  • New bank/credit card
  • New retail loan
  • New student loan
  • New home equity loan
  • New mortgage loan
  • New business loan
  • New installment loan
  • New recreational merchandise
  • New auto loan
  • New auto lease

Credit Inquiries

  • Bank/credit card inquiry
  • Retail loan inquiry
  • Student loan inquiry
  • Home equity loan inquiry
  • Mortgage loan inquiry
  • Business loan inquiry
  • Installment loan inquiry
  • Recreational merchandise inquiry
  • Auto loan inquiry
  • Auto lease inquiry
  • Rental inquiry
  • Utility inquiry
  • Credit card processor inquiry

Balance Changes

  • Bankcard balance increase or decrease
  • Retail credit card balance increase or decrease
  • Unsecured line of credit balance increase or decrease
  • Secured mortgage balance increase or decrease
  • Home equity balance increase or decrease
  • First mortgage balance increase or decrease
  • Auto loan balance increase or decrease
  • Student loan balance increase or decrease

Credit Limit Changes

  • Bankcard credit limit increase or decrease
  • Retail credit limit increase or decrease
  • Unsecured line of credit limit increase or decrease
  • Secured mortgage credit limit increase or decrease
  • Home equity credit limit increase or decrease
  • First mortgage credit limit increase or decrease
  • Auto loan credit limit increase or decrease
  • Student loan credit limit increase or decrease

Credit Usage

  • Bankcard utilization increase or decrease
  • Retail credit card utilization increase or decrease
  • Unsecured line of credit utilization increase or decrease
  • Home equity utilization increase or decrease

Derogatory information

  • Deed in lieu of foreclosure
  • Foreclosure
  • Repossession
  • Charge offs
  • Collections
  • 180/150/120/90/60/30 days delinquent
  • Settled for less than full balance

Public records

  • Bankruptcy
  • Civil action judgment filed
  • Lien filed
  • Civil action satisfied
  • Lien released/satisfied
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