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About Credit Sesame
Credit Sesame offers free credit monitoring services on its website and mobile app, which is available for iOS and Android. No credit card is required, and it does not impact your credit score. Members receive a free credit check and credit score update every month from the TransUnion credit reporting bureau.
Pros & Cons
- Premium plans available
- No credit card required
- Free monthly credit score
- Mobile app
- Add-ons require monthly subscription
- Only TransUnion credit score is free
Credit Sesame offers a lot of tools and credit information for free. It has three premium membership plans for information from all three credit reporting bureaus. The free plan only includes a TransUnion credit report.
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Reviewed Jan. 29, 2022
A little irritated due to the fact I transfered money onto a card and their system couldn't verify me so it has been frozen and customer service doesn't exist. I have tried several times. I guess they don't want my business at this point. Just give me my money back.
Reviewed Aug. 13, 2021
They want to charge me to lock my credit file to protect it. I need to try to find a new one that doesn't charge can you help me with that? I do not recommend Credit Sesame whatsoever. I don't even think your credit score is right.
Reviewed Aug. 13, 2021
I opened a Credit Sesame account. Right after I opened this account I paid for the $15.95 a month plan. Credit Sesame also has a program where they report your rent payments to the credit bureau. I decided to sign up for that as well. In order to sign up for that you have to link your bank account so they can verify your rent payments. I did this. The next day I decided that I was uncomfortable with Credit Sesame being linked to my bank account so I unlinked it. I also opened a Sesame Cash account but did not fund it. I linked my PayPal card as my primary payment method. 3 days later I get a text from my bank saying my account is overdrawn because Credit sesame took $25 out of my bank account (that I unlinked 3 days earlier). I got upset and decided to cancel my $15.95 plan. As soon as I canceled it I was charged $19.95 on my PayPal card. The $19.95 was the price of their premium plan.
A few hours later I get a message from PayPal that says a $19.95 transaction was not authorized due to insufficient funds in the account. This was a second charge. The first had already been approved because there was enough money in my PayPal account to cover it. I contacted Credit Sesame about all these unauthorized charges and was given the run around. I got on their FaceBook page and let all their followers know what happened. An hour later I get a call from Credit Sesame. The person who called me was named Tony. Tony starts out lying to me. He immediately tells me it's impossible for Credit Sesame to have charged me $19.95 because they don't have a $19.95 plan. The most expensive one is $15.95. I take a screen shot of my account page that shows 3 plans. 1 for $9.95 1 for $15.95 and 1 for $19.95.
I inform Tony that Credit Sesame does have a $19.95 plan and asked him for an e-mail address to send the screen shot to him verifying this. He finally admits that Credit Sesame does have a $19.95 plan. Then he tells me it's impossible for Credit Sesame to have made a $25 withdrawal from my bank account because my bank account wasn't linked to anything. I took a screen shot of my bank account that showed the $25 withdrawal from Credit Sesame and sent it to him VIA e-mail while I was on the phone with him. Then he told me that the transaction would not post that it would remain pending for 3 days then go back to my available balance. The transaction did post while I had him on the phone so I sent him a screen shot of it posting. My bank charged me an overdraft fee of $37 for this transaction because I only has $21 in the account. I informed Tony of this.
Now I have been charged $15 for the initial account, $25 taken out of my checking account that I did not authorizes. $37 for an overdraft fee and a additional $19.95 when I tried to cancel my $15.95 subscription that still had 26 days left on it. Tony finally tells me that my account is a test account and that is why I was charged the $19.95 when I tried to cancel the $15.95. He said that there was no $19.95 plan on Credit sesame except on my account because mine was test account. (The same thing was on my friend's credit sesame account.) I got the $19.95 back. Tony refunded the original $15.95. Then this left the matter of the $25 and the $37 over draft fee. Finally Tony tells me the $25 was taken from my Bank account to fund my cash account. I did not authorize this transaction. Tony tells me that I had linked my bank account to my Credit Sesame cash account and initiated the transaction. (Another lie.)
I have a section on my bank account page that shows me what companies I have linked my bank account to and when I unlinked them. It clearly showed that I had unlinked my bank account 36 hours before I even opened the cash account. Later that day I sign into my Credit sesame account and see the $25 pending deposit into the cash account. I log on later that evening and my cash account was closed. (I did not authorize that either.) The $25 was gone. Later that evening the $25 was back in my bank account. I am still out of the $37 for the overdraft fee my bank charged me for the transaction. This company cost me $37 and I only had my account for 3 days. Tony told me a bunch of more lies. I recorded the entire conversation. I have still not been refunded for the $37 overdraft fee I had to pay. Tony blamed me for the $19.95 transaction and the $25 transaction. Do not do business with this company. They lie and try to steal from you.
Reviewed July 27, 2021
With unpaid tax lien, public records and collections on my credit report, prevented me from purchasing a home for my family. Reaching out with RAYLINK was the turning the point, he got the negatives on my credit report deleted and raised my score to 791. Just successfully purchased a home for my family, he is gladly appreciated. You can email/text him on ** if you want your credit to be fixed permanently.
Reviewed July 10, 2021
You can't depend on their scores to be correct or even creditor reports accuracy as not updated even though indicated as current. Found these issues multiple times. Even though it's free don't depend on accuracy.
Reviewed June 26, 2021
Credit sesame is a decent option for getting a good idea of your Transunion credit health. This service offers a vantage score 3 not used by nearly as many lenders as a FICO score but have had more than a hundred scoring models so it’s hard to know which one a lender. Will use anyway.
Reviewed June 25, 2021
This site is free, best of all. You can upgrade for a small price, but I found it unnecessary to do so, as I get all the information I need without the upgrade. They are very precise, thorough & in constant touch, with daily updates & offers. They offer tips on how to track and or improve your credit in a timely manner. Kudos, Credit Sesame...
Reviewed June 22, 2021
I signed up with them and through them, another law firm to help with fixing my credit. Soon after I see ads from Credit Sesame offering a discount for signing up with THE EXACT law firm I just signed up for, only I was never offered the discount! When I called, I got an extremely smug "customer service" person explaining that I was "not a member" and therefore was told that they will hold my information on their servers (opening my info up to hackers and therefore identity theft!) For "auditing purposes".. which means "inflated numbers to sell to advertisers". So you need up being INUNDATED with ads for credit cards. These other reviews are obviously FAKE, read them, no specifics about ANY POSITIVE RESULTS!
Reviewed April 2, 2021
Omar was very helpful with the original assessment and extremely helpful finding a plan that will help me get my credit back on track while fitting into my budget. I’m looking forward to working with Credit Sesame. They are already off to a great start with me.
Reviewed Oct. 8, 2020
I transferred 3.000$ into my recently opened Sesame Cash account on Wednesday. Today, Thursday, I receive an email alerting me that the account is frozen, and they require a Selfie with identification to ''Secure'''' my account. Highly unprofessional behavior, I recommend anyone considering Sesame Cash to find an alternative banking solution that values your business. If you prioritize being able to spend YOUR money, stay away.
Reviewed Sept. 18, 2020
I can watch my credit score for free and it has increased! I am operating at the suggested level recommended as well. I am going to the other credit bureaus to add other payment histories I have that are in excellent standing.
Reviewed Aug. 3, 2020
Good report helps me to decide on getting information to make a purchase or credit card offer, and about auto update. This report was about the update information on my 2013 Sonata, and the Blue Book, and Kelley on value for trade-in value, and possible downpayment, and amount that I could use for downpayment for a new car trade-in.
Reviewed July 30, 2020
Thank you Credit Sesame for being precise and helping me be up to date with my credit. It nice to log in and know I am going to be provided with useful information. I would definitely recommend to family and friends.
Reviewed July 28, 2020
Thank you for the information gathered from my credit history. It shows me what I need to do to improve my credit history and credit score. Now I'm deciding which of the products to purchase. The information was produced so quickly.
Reviewed July 28, 2020
This company does a great job, been with them a long time. I would recommend them, they are very reliable. Give them a try and you will see what I mean. Don't take my word for it, try them yourself and see.
Reviewed July 25, 2020
I have Always Been With them for about 2 or 3 years and the score always been on point. Keep up the good work...I will recommend all my friends to Credit Sesame...I wish other companies be like them ....Thank you so much for always being there. Again Keep up The Great Job You Guys Are doing.
Reviewed July 24, 2020
This product has helped me gain control of my credit card and household debt. I went from poor credit score to an excellent credit score in about a year and a half. By following their suggestions and cutting expenses I'm finally out of the hole. Thank you very much!
Reviewed July 23, 2020
This is my first time. A friend told me to sign up and try, so I did. You did very well. My credit rating is about the same as other sites. I also like the process to dispute old accounts. The only thing I see though is that you use only Transunion. Do you use the other credit sites.
Reviewed July 15, 2020
Hey just wanted to say thank you for helping me keep track of my credit scores but I want to say that I'm very pleased with you guys helping me find a new line of credit to help me achieve my credit goals.
Reviewed July 11, 2020
Very good service to the people in the U.S.A.. It help me in my finance and credit score. It help my family to in their finance too. I will thank you for the service to me and my family and friend. Very good service. Thank You Credit Sesame.
Reviewed July 10, 2020
Was great. Got what I needed. Keeping it great like to keep up with what going on thanks. Need to check every two to three weeks and see if anybody has got on it and done anything wrong so you can get it fit right! Thanks again.
Reviewed July 9, 2020
GREAT APP & COMPANY. They have helped me go from 575 to 690 in a few months. THANK YOU. Easy to Use. Confidential. Great recommendations. I am very happy with the assistance and free to boot. You are Fantastic....
Reviewed July 8, 2020
Credit Sesame is a easy site with the correct results, I enjoy using it and staying updated on my credit score and have told friends to try it also. I enjoy knowing I can check my credit score anytime to stay on top of my history.
Reviewed July 6, 2020
When I began working with Credit Sesame, my FICO score was very low. I began following their recommendations, and I now have an A! As a single mom with 2 boys and no child support, alimony, nothing, I made my way through life with my sons. It was years and years of living paycheck to paycheck. I never thought I would climb out of the mess made by not having money to ensure bills were paid on time, or even paid. As time went by, I became ill and didn't have good insurance. I was left with medical debt that killed any chance of raising my credit score, but I did it with the help of Credit Sesame. Just grateful.
Reviewed July 5, 2020
Since I joined Credit Sesame I have been able to get a new car, a new career, a year's worth of financial security, and the ability to travel out of the country without fear. As a single woman, I appreciate the financial security that Credit Sesame has brought me.
Reviewed July 5, 2020
When I get on my phone on Credit Sesame there is no way to log out. I have to get on my laptop to log out. Please create a large enough to see log out option!!! This shouldn't be so difficult to log out! I love your service and being able to check my score. Thank you.
Reviewed July 5, 2020
I have relied on Credit Sesame to keep me abreast of my credit report for several years now. Unlike other credit reporting companies, they do not constantly bombard you with different credit offers... Just the ones you might qualify for. Thanks again Credit Sesame.
Reviewed July 2, 2020
It is a very good site. Everything is very clear and really help you to improve the credit. It gives the very clear picture about our financial health. Only problem is my profile has wrong information and I could not correct it.
Reviewed July 1, 2020
It was easy and convenient. Easy to understand. I think I got all the answers. I might recommend it. I think everybody can benefit from the program. It is a very helpful tool. I am very grateful for your help.
Reviewed June 28, 2020
I love Credit Sesame, it keeps you updated with changes to your credit report, makes suggestions on how to improve your score and even offers direct links to the credit bureaus to file disputes. I have used other companies in the past that shall remain nameless, however I love that I switched to credit sesame hands down!
Credit Sesame Company Information
- Company Name:
- Credit Sesame
- Company Type:
- Year Founded:
- Formerly Named:
- Credit Sesame
- 444 Castro Street, Suite 500
- Mountain View
- Postal Code:
- United States