Free Credit Monitoring

No credit card. No trials. No commitments.
By clicking on the button above, you agree to the Credit Sesame Terms of Use and Privacy Policy
Monitor your credit on your computer or on your phone.

Why Choose Credit Sesame's Free Credit Monitoring?

Alert symbol

Receive Credit Monitoring & Alerts

Stay on top of your credit report and score to maintain your financial health. Credit Sesame’s free credit monitoring service offers real-time alerts so you’ll know right away when an important change has been made to your TransUnion credit report.

Security symbol

Protect Your Finances

Identity theft can negatively impact your credit score and possibly prevent you from getting a credit card, mortgage, car loan or other line of credit. Free credit monitoring allows you to keep a closer eye on your credit, to look for and head off potentially fraudulent activity.

Magnifying glass on a graph

Easily Detect Errors

An error on your credit report could cause your credit score to lose valuable points, resulting in higher interest rates or a denial for credit. Checking your report on a regular basis via Credit Sesame’s free credit monitoring improves your ability to pinpoint errors so you can take steps to address them.

Totally free, no credit card required

Is Credit Monitoring Really Free?

Yes! Sign up now to get free credit monitoring, no credit card needed.

Credit Sesame’s 100% free credit monitoring service is hassle-free with no strings attached. You simply need to answer a few questions to create your account, and we never ask for your credit card information. In as little as 90 seconds, you can be on the path to taking charge of your finances and keeping tabs on your credit. There are no trial periods or commitments. We use industry standard encryption to keep your personal information secure.
Don’t Take Our Word for It
Hear what our customers are saying.
Credit Sesame allowed me to check credit score for free once a month, which was great since I was trying to increase my score for quite a while. They show me all the basic information that I need in order to determine how healthy my financial status is right now.
Anne Knapp July 1,2016

How Does Credit Monitoring Work?

Monitor showing that you can easily scan your alerts and inquiries

Monitor your credit, at a glance.

Credit Sesame updates your credit information each month. You can easily see your credit score, as well as a breakdown of your various credit accounts. We provide a detailed snapshot of your debt, your loan payments, your interest rates and your credit utilization all on one convenient and easy-to-use dashboard.

Get alerted in time.

When someone steals your identity, you need to act quickly to minimize the damage to your credit and finances. Our daily credit monitoring ensures that won’t be left in the dark when suspicious activity shows up on your credit report.
Phone showing real-time credit monitoring alerts

What is Credit Monitoring?

Credit monitoring is a tool that allows you to track changes in your credit report and score. When a change occurs, we’ll send you an alert. You can then review the information, confirm that it’s accurate and decide what action, if any, to take.
For example, if you’re interested in buying a home and you receive a notification that your credit score increased, pre-approval for a mortgage could be the next logical step. If you receive an alert that a new credit card account appeared on your credit but you don’t remember opening one, you can proceed to notify the creditor of potential fraud. Credit monitoring also keeps you up to date with changes to your existing accounts, such as a missed payment or an increase in your credit limit. Alerts include changes to your address and new public records, including judgments and tax liens. Credit monitoring puts you in control of your credit identity and heads off unpleasant surprises where your credit is concerned.

Why do I need Credit Monitoring?

A good credit score open the door to approval for a car loan, mortgage, personal loan or a credit card. Creditors use your credit score to determine the interest rate you’ll pay on the money you borrow. A low score makes credit difficult to obtain, and drives costs higher. Credit monitoring is a great tool for anyone who wants to improve their credit standing and financial health in general because you can watch your progress as your score improves, change course when your score drops, and make strategic credit moves to help you reach your goals. By monitoring your credit, you can more effectively avoid obstacles that could stand in the way of your ability to borrow in the future.

Can Credit Monitoring help prevent identity theft?

There is no tool that can prevent 100% of identity theft. Credit monitoring, however, allows you to address inconsistencies and anomalies quickly and mitigate the damage caused by fraud or errors. The best way to protect your credit is to know and understand your credit profile. If someone attempts to take out a loan in your name for example, or if a creditor reports a late payment on an account you don’t recognize, our credit monitoring service brings you into the loop right away. Credit monitoring does not alert you to all types of financial fraud. It can only help you spot signs of identity theft on your credit report.

Which credit bureau will you track?

When you create a free credit monitoring account with Credit Sesame, the credit monitoring services you receive are based on the information in your TransUnion credit report. Our premium credit monitoring service allows you to track your credit reports issued by all 3 major credit bureaus: Equifax, Experian and TransUnion. Platinum Protection membership also monitors your Social Security number, public records and the use of your personal information on black market websites.
More FAQs