Credit Service Review

Credit Sesame Review (2026)

A free score plus optional Premium 3-bureau monitoring and $1M insurance

By Wealthy Pot · Last updated September 2026

Free tierFree score + monitoring; paid Premium tier

Paid priceFree; paid Premium (3-bureau + insurance)

Bureaus monitoredTransUnion (free); all 3 (Premium)

Score typeVantageScore 3.0 (not FICO)

ID-theft insurance$1M (Premium)

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Who Credit Sesame is for

Free single-bureau score users who may upgrade for 3-bureau + insurance

Free tier, price & what it monitors

Credit Sesame offers: free score + monitoring; paid premium tier. Paid pricing: Free; paid Premium (3-bureau + insurance). It monitors TransUnion (free); all 3 (Premium) and shows VantageScore 3.0 (not FICO). Identity-theft insurance: $1M (Premium). Prices and features change, confirm the current details on the official site.

The bottom line

A free score plus optional Premium 3-bureau monitoring and $1M insurance Main drawback: free tier is one bureau + vantagescore; the useful features are paid.

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See how Credit Sesame stacks up in our credit-monitoring comparison, and learn why free scores differ from lenders' in is Credit Karma accurate?

We summarize each service's published features, not user reviews. Prices and features change and are re-checked against the official page. Free tools often show VantageScore, not the FICO score most lenders use. Some outbound links may be affiliate links — that never affects which services we include or how we rate them. Nothing here is financial or legal advice.