Get Your Truly Free Credit Score!

No credit card. No trials. No commitments. 100% free!
Credit Sesame
  • See how much money your credit score can save you
  • Get a free analysis of your existing credit and loans
  • Protect your score with free credit monitoring

See Your Credit Score Now

No credit card required. No impact on your credit score

How does Credit Sesame work?

Free Credit Score Without Credit Card
You can get your free credit score by signing up in just a few easy steps, and no credit card is required. At Credit Sesame, we believe knowing your creditworthiness is vital to your financial well-being, and offering you this free service is an important part of our company. Our analysis takes a look at your credit and debt and educates you about your potential loan savings, credit card debt, and your home mortgage. Being aware of your credit score will help you understand your financial standing and allow you to take charge of your finances.

See my free credit score

Monitor Your Credit Score
Our credit score monitoring service is one of the best in the industry. We’ll track your credit score and send you alerts when one of the 35 credit report monitoring signals change during the course of the month. Some of these changes include: balance changes, new accounts, late payments, and others. The Credit Sesame credit monitoring system will inform you when suspicious changes are made to your accounts to help you stay on top of potential identity theft.

See free monthly credit score

What is My Credit Score
It’s easy to check your credit score with Credit Sesame. Once you sign up for a new account and verify your information, we will share your credit score profile and give you tools for managing your credit and debt. Our educational portal has everything you need to better understand your financial status and products that may be right for you. We’ll show you options for mortgage loans, personal loans, credit cards, and other offers that fit your credit profile. One of the best ways to keep your credit in top shape is by checking your score regularly to identify and understand the factors that can affect your score.

See my free credit score

Find My Credit Score
Your instant credit check is pulled from the TransUnion database and analyzed by Credit Sesame. Based on your profile, our site will share personalized suggestions for reducing debt, applying for credit, or taking out loans.

See my free credit score

What’s in a Credit score?

Excellent and Good Credit Scores
Once your score goes past the 760 mark, you’re a member of the elite credit class. You’ll likely be approved for the very lowest interest rates and have more options. Maintaining an excellent score requires paying your bills on time each month and keeping your credit utilization to 10 percent or less. A good credit score is anything between 640 and 760. This kind of credit rating is usually assigned to someone whose credit report is free of late payments, has accounts that have been open for five years or longer, and isn’t carrying a lot of debt.

Fair Credit Scores
Fair credit is a score that ranges from 550 to 639. It’s possible to get approved for credit cards, car loans, and even a mortgage with a fair credit score, but the rates won’t be the best. You can work on taking your credit from fair to good by paying your bills on time each month and keeping debt to a minimum.

Poor Credit Scores
Anything that falls below the 550 mark is considered a poor credit score. Someone whose score falls into this range is more likely to have a credit history that includes late payments, major delinquencies, charge-offs or bankruptcy. They’ll also have the most difficulty getting approved for new loans and pay the highest interest rates.

Credit Basics

What is a Good Credit Score?
In a credit scoring system that ranges from 300 to 850, a good credit score is generally around 700 or above. In the U.S., there are three national credit bureaus. Although most of the information collected on consumers by the three credit bureaus is similar, there are some differences, and this can result in variances among the scores each credit bureau assigns to you. A good credit score may increase your chances of getting approved for your loan or line of credit and can save you money with lower interest rates.
What Factors Affect My Score?
There are many factors that affect your credit score. To protect your score, pay your bills on time and don’t go over your credit limit on your credit cards. Other steps you can take are paying off your debts faster and staying under your credit limit.
What is Credit?
Credit is the ability of a customer to purchase goods or services and pay for them at a later time. Depending on the situation, these payments can be paid in installments or in full at a future time. The amount of credit a customer can use is often based on the credit score and credit history of the customer.
How Do I Check My Credit Score?
Checking your free credit score is easy with Credit Sesame. All you need to do is sign up on this page and follow the instructions. Once your application is complete, you can access your account and see your credit score for free. We also provide you an analysis of your credit and debt so you can more easily manage your finances.

Customer Reviews

“It has been wonderful, I have learned and grown through out the site. And improved my over all credit score, and now I know better how to take care of my credit.”
– Shelley M., Member for 12 months

“Credit Sesame is a great site. I love the way it shows me my credit score and helps me out with other great advice and information. Thanks Credit Sesame!”
– Robert L., Member for 9 months

“This is a very helpful site if you are trying to establish credit or improve your credit score so you can buy a house…or whatever large purchase you might be hoping to make!”
– Jeannine R., Member for 4 months

“Utilizing this website has been so simple and easy. Not once have I had to put in a credit card number. This site shows what lines of credit I have and gives tips for lowing debt. Utilizing this website really helps to keep track of finances.”
– Sebastian L., Member for 12 months

“Credit Sesame is an excellent choice for all of your Credit needs, with 24 hour monitoring and daily updates. They keep your individual credit scores updated and report to you all changes.”
– Truvor X., Member for 9 months

“Paying off Debt is hard enough! Thankfully you can monitor it for free! I raised my credit 200 points in 1.5 years! Thank you Credit Sesame!”
– Shannon R., Member for 4 months

Recently Asked Questions

Who will see my credit report?
Your credit history report will be viewed by various entities to verify that you are financially stable and responsible. Lenders will check credit reports when reviewing loan applicants in deciding how likely one is to make payments in full and on time. Similarly, landlords, potential employers, mobile service providers and utility companies will check credit reports to determine financial reliability. But while a good score may not necessarily help you, a bad score can definitely hurt you. This is why companies will use credit reporting to analyze your desirability as a candidate for their products.
Which credit report errors can I dispute?
It is important to review your credit history report as errors can lower your score and hinder financial endeavors. You can dispute account-related errors, derogatory mark errors, and personal information errors. Statements that include late payments from over seven years ago, credit cards and/or loans that are not yours (personally, by co-sign, or authorization), wrongly labeled account closure and collections amount, and incorrect personal information (name, address, employer) should be disputed. However, credit reporting is not instantaneous, so it is advised not to dispute missing information as not all information has to be reported to all credit bureaus and changes may not be visible due to average processing time.
How are the credit report and score related?
Consumer credit reports and credit scores are related in that they each provide you with measurements of your financial standing. Your credit report delivers information detailing your credit history, such as outstanding loans, credit card balances, payment history, records of bankruptcy, tax liens, court judgments, and other personal information. However, your credit report does not include your credit score. Your credit score is a numeric value that is assigned to you using a mathematical algorithm based on all the information in your consumer credit report.
Will my spouse’s history be displayed on my credit report?
Your consumer credit report is linked only to your social security number. Each spouse will maintain his or her own personal consumer credit report. However, if you apply for credit together or become joint owners of an account, the account activity will appear on each of your consumer credit reports. Additionally, when applying for credit together, lenders will take both credit reports into account. Therefore, it is important for each of you to check your credit report when co-signing/co-authorizing credit to make sure all your information is accurate and free of errors.
When do I need to check my credit report?
It is important to regularly check your credit report and be aware of any changes. You are entitled to a free credit report, once a year, from each of the three credit bureaus. However, there are benefits to checking your credit report more often. For example, before making a purchase that involves getting a loan or before applying for a new job, you can check your credit report to make sure the information presented is correct and that you are in a good financial position to move forward with your plans. It is also important to check your credit report regularly to protect against identity theft.
Does checking my credit report affect my credit?
Requesting a consumer credit report is classified into two types of inquiries: soft and hard. Unlike hard inquiries, soft inquiries will not affect your credit score. A soft inquiry is when you personally request to receive a copy of your credit report or if you give a third party, such as a potential employer, permission to check your credit as part of a background check. Hard inquiries, which can lower your score, are inquiries where a potential lender is reviewing your credit because you’ve applied for credit with them. For example, when you apply for an auto loan, mortgage, or credit card, the lender will do a hard inquiry of your credit report. Hard inquiries will stay on your consumer credit report for two years, but are typically factored into your credit score only for the first year.

Encrypted Data Transfer and Storage: Your information is always encrypted. We use firewalls, 128-bit SSL encryption, and 256-bit AES encryption. Verified Security Practices: Our security practices are approved by Verisign. McAfee SECURE certifies our site is secure, passing their intensive daily security scans. Secure Servers: Our servers are located in a secure facility with 24-hour monitoring and surveillance.
Sign up in 90 seconds. It’s truly free.
1. Answer some questions.

Verify your information to create a secure account.

2. You are done.

Understand your credit profile, access financial tools and personalized recommendations, and take control of your finances.

Get Started Now

No credit card required