Free TransUnion monitoring with banking + saving features in one app.
Get started at Credit Sesame, Inc. → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Users who want credit monitoring + financial tools in a single app outside the Intuit ecosystem.
Credit Sesame — Free TransUnion monitoring with banking + saving features in one app. Best for: Users who want credit monitoring + financial tools in a single app outside the Intuit ecosystem.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Yes — Credit Sesame's core monitoring is free and includes a VantageScore 3.0 from TransUnion with monthly updates. A Premium tier exists ($19.95/month per the listed data) that adds features like identity theft insurance, but the base service costs nothing.
Credit Sesame pulls from TransUnion only and shows a VantageScore 3.0 — not a FICO score. Since most lenders use FICO and only one bureau is covered, treat it as directional rather than a precise preview of what a lender will see.
Sesame Cash is an optional debit card with cash-back rewards included in the app at no fee. It's part of Credit Sesame's combination of credit monitoring and banking-style features in a single app.
Identity theft insurance — listed up to $50K — is offered on the Premium tier, not the free tier. The free tier focuses on TransUnion monitoring and score tracking.
It's best for users who want credit monitoring plus financial tools in one app outside the Intuit ecosystem, and it's positioned as a Credit Karma alternative. ClearValue Lending is a neutral platform and isn't affiliated with Credit Sesame — verify current terms at creditsesame.com.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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