Credit Sesame versus Credit Karma. Which is better?

For this post, I signed up to compare Credit Sesame vs. Credit Karma to see which was more beneficial and whether one was a waste of my time.  

What Is Credit Karma?

Credit Karma is the largest free credit monitoring service in America. Created in San Francisco, California, in 2007, Credit Karma provides consumers with access to their credit score.

With Credit Karma, the users can access for free:

– The user’s credit score – The information in the user’s credit report from both TransUnion and Equifax – The factors that can improve or hurt a credit score – Actionable steps to improve the user’s credit score – Free tax filing and preparation – High yield savings account – Identity theft monitoring – Find unclaimed money – Vehicle value estimates and recall information

How Credit Karma Makes Money

Credit Karma is a completely free service for users. The company makes its money by pushing lenders and other card services at the user to help with their credit.

What Is Credit Sesame?

Credit Sesame is another company founded in California to help people improve their credit scores and save money. Similar to Credit Karma, Credit Sesame also provides users with their credit score, free of charge.

– The user’s credit score – The information in the user’s credit report only from TransUnion – The factors that can improve or hurt a credit score – Actionable steps to improve the user’s credit score – Identity theft protection and insurance (for free! – up to $50,000 in coverage)

With the Credit Sesame App, users can access for free:

Credit Sesame also makes affiliate commission from recommending services and companies to the app users like Credit Karma. However, Credit Sesame has a tiered monthly payment plan to add additional tools and resources at a price. 

How Credit Sesame Makes Money

Credit Sesame provides users with four plans depending on which features they would like to monitor and access. Free Membership ($0 each month) Advanced Credit ($9.95 each month) Pro Credit ($15.95 each month) Platinum Protection ($19.95 each month)

Credit Sesame Plan

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