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Come January 1, when all the presents are opened and the credit card bills start rolling in, it is hard to feel as generous about all that holiday gift giving.

Make a resolution now to get control of the finances in 2013. One effective tool is Credit Sesame.

Credit Sesame is a 100% free personal finance, credit, and debt management system. Sign up for this offer with no credit card. There is no required trial period. The service is free for as long as users wish.

Credit Sesame makes managing personal credit easy. This program provides an instant view of credit, an Experian credit score, and a debt analysis with personalized offers.

The newest Credit Sesame feature is real-time credit monitoring, which is worth its weight in gold in these days of identity theft and credit fraud. Like other services on this site, the monitoring is also free!

Here's how to become a FREE member of Credit Sesame:

  • Visit Credit Sesame today.
  • Click on the yellow "Sign up" button at the top right-hand corner of your screen.
  • Enter requested information and click the "Sign up" button again. Use your legal name.
  • Follow any prompts and enter personal information such as annual income and Social Security number. This site is secure and guarantees privacy.
  • Confirm the account and begin.

Signup is fast and easy — it takes about 10 minutes. Instantly check credit scores for free. Often, credit score checks can cost as much as $15.00. Use the site’s “What If” device to see into the financial future with a better credit rating. Use that foresight to set financial goals.

Credit Sesame uses Experian and pays for, on behalf of their users, their credit score and report. The monitoring service is brand new and truly one of a kind. No other company out there offers credit monitoring through Experian for free. All other services charge a monthly fee.