Purchase Your Full Credit Report Now!

Be in the know and access your full credit report for only $9

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  • Get instant access to your credit report
  • Identify reporting errors
  • See a detailed view of your loan and payment history
  • Protect yourself against identity theft

Get Your Credit Report & Free Credit Score

To improve your financial health, you must first understand your credit report and credit score. Credit Sesame provides you with a monthly free credit score and a free credit report summary, plus it gives you access to your credit report for a low, one-time fee of just $9. In 2003, a federal bill called the Fair and Accurate Credit Transaction Act (or the FACT Act) gave consumers the right to request their credit report annually from each of the three credit reporting agencies. Consumers can visit AnnualCreditReport.com and view free credit reports from TransUnion, Experian and Equifax.
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Monitor Your Credit Report

You should review your credit report on a regular basis to check for inaccuracies and to have a strong understanding of your overall financial health. Pulling your credit report lets you see what lenders see before they approve you for a line of credit. With Credit Sesame credit monitoring is easy, so you can easily stay up to date at all times on how you are performing financially.
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Government-Provided Free Credit Reports

Credit reports are free, but you can only pull them once a year, and they can be difficult to understand. Plus, the services do not offer free credit scores and often try to upsell consumers to purchase expensive credit monitoring packages. Credit reporting has never been so easy with Credit sesame, order your credit report today for free.
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My Credit Report – No Credit Card

Not only does our financial reporting tool provide you with simple, budget-friendly access to your credit report, but each month we’ll provide you with an absolutely free credit score. Even better? We’ll show you how you can improve your credit score and your creditworthiness. We’ll help you set up financial goals, provide expert advice and show you how you can save money, safely. To get started you will get a free annual credit report to do your annual check ups to ensure that you are on the right financial path.
Need to Know
Credit Report
Your credit score is an important number that determines whether you are approved or rejected when applying for credit. If you do pass it can also impact the interest rate that you will face when you have to pay back the credit that you took. Credit scores can make your life easier by getting more breaks when it comes to purchasing or renting. It is a 3-digit number that is generated based on your credit report. It predicts the likelihood of your paying back your loans and other payments you own.
Credit Report Factors
Your credit score goes by several factors, for example, the FICO score takes a look at your payment history, amounts owed, lenght of credit history, new credit, and types of credit that you have used before and currently. Other agencies use their own algorithms to determine what your score is, and they have a different range as well.
Credit Report Facts
Does paying a past-due debt remove it from your credit report?
When you pay a bill late, it will usually stay on your credit report for 7 years, if it a more serious action, such as a brankruptcy then it will remain for 10 years. While it will hurt your credit rating, the damage done to your score will decrease over time as you continue paying your bills on time.
Are credit bureaus always right when reporting credit?
According to research studies nearly 80% of credit reports may contain a serious issue or mistake that may impact your credit score and report. It is important to check it often and point out anything that is not accurate. With the free credit report and score that Credit Sesame offers it is easy to check and confirm the accuracy of your most up to date report.
Does consistently using credit improve your credit report?
Attaining a high credit score involves using your credit often but responsibly. It means paying your bills, loans, and other credit that you have on time. If you do not use credit you will likely have a poor credit score or possibly no credit history at all. It is crucial that you use credit when possible to build credit score in order to be able to get larger loans at a lower interest.
Are all credit scores and reports the same?
You have three primary credit reports, one from Experian, Equifax, and Transunion. The information on all of these credit reports are not all the same and will vary as each provider has a different range of credit scores that it displays as a minimum and maximum. They are equal when it comes to importance, they all do the same function of documenting your credit history and to analyze your credit risk.