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:

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 February 1, 2018 by Wes

Is Credit Repair Legal?

Bad credit can take hold of anyone’s financial life, whether due to financial missteps of the past or erroneous information reported by creditors. If you’ve had a late payment on a credit card, an account that found its way to a collection agency, or irresponsible use of credit accounts, your credit history shows a less-than-ideal […]

Posted on January 30, 2018 by Melissa

TransUnion TrueIdentity – Free ID Theft Protection & Credit Report

The IT revolution has yielded smartphones, digital banking and cloud services, forever changing the financial services sector. Now anyone with even a simple smartphone can be connected to a wealth of digital services. But there is one major issue with the IT revolution. It is now easier than ever for criminals to steal personal information […]

Posted on January 29, 2018 by Ryan

The Fair and Accurate Credit Transactions Act – What You Need to Know

The growing trend of shopping and banking online or through mobile phones plays a significant role in the increasing number of identity theft victims each year. Combined with the advancing technology used by cyber criminals to steal consumer information, it is no surprise that nearly 17.6 million Americans suffered from identity theft in 2014, the […]

Posted on January 26, 2018 by Melissa

Understanding Your Rights Under the Fair Credit Reporting Act (FCRA)

In 1970, the law governing the activities of the three major credit reporting agencies, known as the Fair Credit Reporting Act or FCRA, was passed in an effort to provide a specific set of rights for consumers. The FCRA is focused on safeguarding the information gathered, maintained, and shared by the credit reporting agencies, namely […]

Posted on January 24, 2018 by Melissa

3 Tips for Removing Late Payments from your Credit Report

Your credit score is comprised of a number of factors, not the least of which is your history of on-time payments. If you made the unfortunate mistake of being late on a payment for a credit card, student loan, mortgage, or personal loan in the past, it may seem like all is lost. However, there […]

Posted on January 19, 2018 by Melissa

Revolving Credit vs Installment Loans and Impact on Credit

Do you have any revolving or installment credit lines on record right now? Do you even know the difference between the two? Don’t worry if you’re confused, we’re about to clear things up. If you already have a basic understanding of how your credit score is determined, then you’re ready to move on to the […]

Posted on January 10, 2018 by Ryan

Credit Score Ranges – What You Need to Know

Credit. It’s a tiny word that packs a powerful punch. Your credit, based on your score and history, is not only an indicator of how much of a risk you pose to new creditors but also how responsible you may be as an employee, a volunteer, or a renter. Nearly everyone from credit card issuers […]

Posted on January 5, 2018 by Melissa

Just How Many FICO Credit Score Models and Versions are There?

FICO, the most commonly used credit score by lenders and creditors, has been around since 1989. Since that time, the credit scoring company has developed and implemented several iterations of the FICO credit score, many of which are still used in evaluating credit applications today. As consumer behaviors change and lending requirements shift, so goes […]

Posted on December 29, 2017 by Melissa

Breaking Down Your Fico Credit Score

Oh great. Another person is about to lecture you about the importance of fiscal responsibly and credit scores. Take a deep breath and relax. We’re going to cover what credit scores actually are and how to use this information to increase your own. Whether you like it or not, your credit history is of extreme […]

Posted on December 14, 2017 by Ryan