Credit Monitoring

Hands at desk holding smart phone with credit scoreStaying on top of your credit is extremely important in today’s life. Especially in a digital world where major companies are getting hacked left and right, and identity theft is on the rise. If you’ve ever bought a home, applied for a credit card, or even signed up for auto insurance – it’s very likely your credit was used to approve or decline your application and determine your loan amount and interest rate. The plus side to our new digital lives how easy it is to monitor our own credit. Back in the old days everything had to be done by mail or fax, and you couldn’t get instant access to your credit information. Today you can, oftentimes for free. Disputing items and fixing errors in your credit report have become a cinch, and just about everything you need to improve your credit score is at your fingertips. Below you’ll find some of our favorite offers, tips for improving your credit, and advice for protecting yourself from ID thieves.

Top Credit Monitoring Offer

Credit Sesame logo

Free Credit Score & Debt Analysis

  • Monthly TransUnion credit score and report summary
  • Free credit monitoring alerts
  • Debt overview with credit score improvement recommendations & goals
  • 3 credit bureau report and score updates starting at $15.95/mo

Recent Articles & Promotions:

How Identity Theft Protection Services Work to Protect You

In the United States alone, an estimated 15 million consumers are the victim of identity theft each and every year. Given the ultra-connected environment in which we live, it is no surprise that cyber criminals are constantly on the hunt for gaps in security systems of companies operating online and in physical locations. Data breaches […]

Posted on June 27, 2017 by Melissa

5 Things You Need to Know About Cash Back Credit Cards

Cash back credit cards sound pretty amazing, right? The commercials make it sound like you’ll get a fat check in your mailbox every month just for going about your usual spending – but is that true? Sort of. If you have been thinking about opening a new line of credit and want to earn cash […]

Posted on June 19, 2017 by Nicole White

Why all Credit Scores are Not the Same

Credit scores are an important aspect of anyone’s financial life, as they are used to gauge whether an individual is worthy of a new credit card, an auto loan, a mortgage, or even a new job. Responsible financial behaviors, like paying bills on time and not maxing out a credit card limit, work to the […]

Posted on June 1, 2017 by Melissa

3 Credit Bureaus – Phone Numbers & Addresses for Equifax, Experian and TransUnion

The three major credit bureaus in the United States are Equifax, Experian and TransUnion. There are several likely reasons why you might need to contact one of these companies, but they sure don’t make it easy to get in touch with someone on the telephone.

Posted on May 17, 2017 by Wes

The Fair Credit Billing Act – What Consumers Need to Know

In 1974, The Fair Credit Billing Act was set in motion with the intent to protect consumers from errors made on credit card billing statements. Credit card holders have the right to dispute charges – and withhold payment for said charge – without experiencing a hit to their credit should the error be found to […]

Posted on May 3, 2017 by Melissa

Regulatory Changes on the Horizon for Credit Scoring – Tax Liens & Civil Debts Out!

The method in which credit scores are calculated for the millions of consumers in the United States has changed very little over the last few decades. The credit reporting agencies – Equifax, TransUnion, and Experian – utilize certain data fed to them by lenders, employers, and the courts to determine just how creditworthy an individual […]

Posted on April 26, 2017 by Melissa

Consumer Credit Counseling Service vs Credit Repair Companies

Bad credit can affect nearly anyone over the course of a lifetime and for a myriad of reasons. Getting in over your head with credit card spending, being consistently late on debt payments, or facing bankruptcy or foreclosure all leave a negative market on your credit file. Regardless of the cause of your less than […]

Posted on April 6, 2017 by Melissa

FICO Score vs. VantageScore – What’s the Difference?

These days, credit scores rule the universe of personal finance, especially when it comes to getting a new mortgage, an auto loan, a credit card, or even a new job. Credit scores are calculated based on an individual’s use of available credit in the past, and for better or worse, these scores dictate what creditors […]

Posted on March 24, 2017 by Melissa

Top Websites to Get Your Credit Report & Score for Free

Accessing your credit report from each of the three major credit bureaus is a reasonably simple process when you utilize the Annual Credit Report centralized website. In addition, each of the credit reporting agencies provides access more than once per year through different methods, all at no cost to you. In recent years, several alternatives […]

Posted on March 13, 2017 by Melissa

How to Set Up a Fraud Alert on Your Credit Report

A fraud alert tells potential lenders that you suspect you’re a victim of fraud. If you attempt to buy a car, open a credit card account, or just increase the amount on an existing credit line, the fraud alert is there to ensure the lender double-checks your identity. Should an identity thief attempt to open […]

Posted on March 8, 2017 by Ronda