An exploration of Credit Sesame

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Editor's note: Jack Guttentag offers a mortgage network that competes with Credit Sesame's mortgage network. He notes in this column: "Readers should be aware that Credit Sesame's mortgage network competes with mine, which could affect my judgment despite every effort to be fair." I recently took a hard look at Credit Sesame, which is an interesting website that offers credit monitoring, credit cards and mortgages. The site views them as interrelated parts of a whole, where credit monitoring suggests opportunities to improve the user's financial status by changing the composition of credit cards and/or refinancing a mortgage. The credit-monitoring function is difficult to assess without getting deeply involved in its use, which requires a commitment I couldn't make. I am awaiting feedback from readers who have used it or plan to. Meanwhile, I can assess the credit card and mortgage parts of the site, viewed as separate lines of business. Credit cards I found Cred...