Legally, everyone is entitled to a free credit report once a year. These reports outline the items on your report but do not include your actual numerical credit score; usually that requires paying for a full credit check or monitoring service. The service Credit Sesame, however, gives you full access to and information about your credit at no cost to you.
The Credit Sesame Service
Credit Sesame provides your credit score, including the numerical rating from all three credit rating agencies, for free, without a credit card. Signing up for Credit Sesame doesn’t require a credit card because you will not be charged for the service. In addition to showing you your numerical scores, Credit Sesame will help you model the effect financial changes will have on your credit score. Credit Sesame is one of the only ways to get your actual numerical score without having to pay for it.
Finding your best offers
In addition to providing full and detailed information on your credit that can help you make informed financial decisions, Credit Sesame goes one step further. With the information about your credit, Credit Sesame collates and curates offers for loans, mortgages and credit cards that you qualify for with your credit score. This takes the guesswork entirely out of finding a loan because you have a good idea of whether you will qualify or not.
Making use of your credit score
Once you know the same credit score that creditors and individuals pulling your credit report will see, you can move forward with financial planning that can improve your credit score. Fixing the negative marks on your report starts with knowing what the negative marks are. You will also be able to watch your credit score in real-time, so you can see how everything from paying down debt to taking on a new loan affects your credit score.
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