Credit Sesame is a Website that helps people manage their credit — its offering users free credit monitoring, a service that the big three credit bureaus offer for a fee. However, Credit Sesame monitors information from a single credit bureau — Experian.

If you’ve ever tried to get your credit score for free, you know that there’s no such thing as a truly free credit score. You’re forced to enter your credit card information and sign up for a free trial of a service, just so you can forget to cancel and get charged for a service you don’t want. Though you can get a free credit report easily with no credit card, one popular website, Credit Karma, allows you to retrieve your credit score without providing any payment information.

Discover started including customers’ FICO scores on monthly bills and on online accounts in early 2014. According to FICO numbers quoted by Discover, 87 percent of consumers’ credit scores fluctuate from month to month, with changes of as much as 20 points. These monthly credit scores can help customers receive real-time notification of any changes that could signal an error or abuse of their credit.

Start by doing a credit checkup — you can monitor your credit yourself by requesting a free report once a year from each of the credit bureaus through www.annualcreditreport.com but the free report won’t include your credit score, you’ll pay about $8 to get the credit bureau’s proprietary number.

Citi is another credit card that is offering free credit scores in the latest financial institution perks to give customers free credit scores through the FICO Open Access program, FICO announced, making it the largest participant in the program that will be available to more than 60 million consumers in 2015.