Friday, September 7, 2012

Free Credit Score *No Credit Card Required

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I strongly encourage if your credit score is lower than you wish or you don't know it....enrolling in this program!!!!  Honestly, I do  not agree AT ALL with FICA scores and the whole's just backwards!!!!  5 years ago my family had financial freedom, but due to be transferred several times in a short period two home mortgages slowly ate away at all our savings!  We spent 2 years working hard to pay our debt built up and are once ready again to begin the buying a home process...which means now it's time to start building credit back up for a better interest rate.  Recently, we turned to a similar program like CreditSesame and have spent only 2 months with the steps they've provided and I've increased my credit score by 40 points. is a free online personal finance tool that provides the best way for consumers to securely monitor their credit and save money on debt.

Here is what I know from experience:  You will enter your personal information.  Then your credit score will process, then you will have to answer one question about what your goal is....mine was to get a home loan.  I then needed to state what type of payment I was open to which for me I want a Fixed Payment Only, 30 Years and then what I want my payment to be, purchase price, % down etc and then you save your goal.

This will then give you advice based on your goal and information entered....example.  Mine only shows my student loan balance and my monthly payment, b/c I do not have a mortgage, my car was paid off this year and all my debt.  It shows my credit score and then gives you the option to send you alerts when your credit score is higher than (whatever amount you put in)...

To get more information of course you can opt to pay a little money to get full reports.  The free part is just a overview....Like I said...STRONGLY's a great way to start taking the proper steps towards financial freedom.

MORE INFO: will help you:

-Monitor your credit profile, home value and debt in one organized place
-Track your Experian credit score every month and always for free Get a complete savings analysis of your loans, mortgage and credit card debts
-Find pre-qualified, mortgage, credit card and loan options that will save you money
-Receive customized alerts that help you lower payments on your debts so you never miss a chance to save.
-Find savings with’s analytics analyzes the lending market daily looking for savings options that match your unique credit profile so you’ll never miss a chance to save.
-To help you lower the cost of your debt, Credit Sesame uses the same kind of powerful financial analytics that banks use to optimize their bottom line – it’s time to turn that around and help you maximize your money. is always free and secure is always free and secure to use. There are no credit cards required, no trial periods and no gotchas to sign up. We’ll update your credit score and debt profile for free, every month.
-Finally, to make certain that you receive unbiased savings options for your unique credit needs, is only compensated when you close a loan.

*This was Amy's written opinion

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