Credit Sesame Review 2023

Credit Sesame provides a variety of free services to assist you in managing your credit and providing crucial financial information on savings accounts and other financial services.

Since 2010, the firm has served as a consumer advocate, assisting millions of Credit Sesame users in reaching their financial goals.

Credit Sesame Review
Credit Sesame Review


CompanyCredit Sesame
Year of Establishment2010
Best FeaturesAccurate credit scores
Initial ChargesZero
Subscription ChargesN/A
WebsiteClick Here

What is Credit Sesame?

What is Credit Sesame?
What is Credit Sesame?

The majority of people wish to enhance their credit scores. A strong credit score not only gives you more possibilities for borrowing money, but it also makes it cheaper to use a credit card or receive a loan.

Credit Sesame, which has been around for over a decade, sets out all of your debt facts and helps you understand your credit score.

The personal finance service also teaches you how to improve your situation.

Credit Sesame provides free, basic credit- and debt-tracking features, but a paid subscription is required if you want a laser-focused view of your credit.

Credit Sesame supports its free services by recommending credit card and loan solutions that may be a better fit than what you already have.

It does not, however, track your income, expenses, or budget. In terms of content, Credit Sesame is more equivalent to Credit Karma and WalletHub, however, it lacks some of their features.

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Pros and Cons of Credit Sesame


  • No-cost subscription tier
  • Excellent user experience
  • Debt monitoring and analysis
  • Excellent mobile applications
  • Reporting of rent payments


  • Expensive paid tiers
  • The free level lacks the tools that many competitors provide.

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Key Features of Credit Sesame

Credit Score and Monitoring

The ability to see your credit score is one of Credit Sesame’s best features.

Your credit score will be updated regularly, allowing you to begin tracking crucial financial trends that appear in your credit report.

Using Credit Sesame will have no negative impact on your credit score.

Because this service is only for your personal information, it results in a “soft inquiry,” which has no effect on your credit.

Credit Sesame, on the other hand, does not reflect your true “FICO” score.

It instead provides a VantageScore, which is not often used by banks for credit card applications.

Identity Theft Protection

Identity theft has become a severe problem that can cause terrible financial problems for people who fall victim to it.

That is why it is critical to be able to monitor your credit for any unexpected behavior.

Credit Sesame actively monitors the usage of your personal information for new credit and notifies you when there is any new activity.

Personalized Savings Advice and Other Financial Services

Credit Sesame provides customized savings advice and other financial loan offers based on your credit profile and proprietary analytics.

This system will examine your credit score, existing loans, current house worth, and other characteristics to generate customized loans and savings options from top national lenders that will best match your financial objectives.

Digital Bank Account

Credit Sesame Cash is a no-fee digital bank account offered by Sesame.

The account has no minimum balance requirement, no overdraft fees, and no monthly service costs, and it runs on the MasterCard network.

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Plans And Pricing of Credit Sesame

Advanced Credit

Advanced Credit adds daily credit scores from one bureau and a monthly credit report from all three main credit agencies for $9.95 per month.

Pro Credit

Signing up for the $15.95-per-month Pro Credit package gets you credit monitoring with notifications from three credit bureaus as well as 24/7 access to live professionals who can assist you repair credit score errors.

Platinum Protection

Finally, Platinum Protection, which costs $19.95 per month, includes 24/7 stolen/lost wallet protection, black market website monitoring, public records tracking, and Social Security Number monitoring.

How to start with Credit Sesame

It is simple to use Credit Sesame. You only need to sign up for an account and supply a few pieces of vital information, and you’ll be good to go!

Because the program is completely free for the free package, no credit card information is ever required.

  • Go to to their website.
  • Click on “sign up.”
  • Provide your basic information like name, address, and such.
  • Afterward, you have to provide the last four digits of your SSN.
  • Then you are all set to see your credit score.

Alternatives of Credit Sesame


Mint is a free personal finance app that is in a league of its own. No other web-based competitor offers a more comprehensive set of tools for tracking your income, spending, budgeting, and goals.

Quicken Deluxe

Quicken Deluxe has more personal budget management options than any competitor, but it’s pricey, and many features aren’t available in the mobile apps. Nonetheless, no one does personal finance more thoroughly.

Customer Service Credit Sesame

Credit Sesame prefers that users contact them through their website’s support center.

There is an online form to submit your request, and you can also attach files to help them understand your problem.

Social media is another excellent way to contact Credit Sesame for support difficulties, and it looks that they respond quickly on both Twitter and Facebook.

Credit Sesame does provide a couple of email addresses on their website for contact, however, these are mostly for feedback and business/media relations.

Customers can benefit from the following email addresses:

Unfortunately, Credit Sesame does not appear to have a working phone number where clients can call and speak to a live person for assistance.

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Customer Reviews Credit Sesame

Customer reviews of Credit Sesame is generally pretty good and give you a good outlook on how things work at Credit Sesame both for free and paid users and both of these type of reviews are amazing.

Cancellation Of Credit Sesame

Canceling your Credit Sesame account depends on if you are free to use or paid. There are different steps for this process.

For free members

To discontinue your free Credit Sesame subscription, follow these steps:

  • Go to and log in to your account using a web browser.
  • Navigate to your profile’s Account Settings section.
  • Click the Terminate Account button under “Terminate my Credit Sesame account” and follow the prompts to confirm.

For premium accounts

  • Go to your Account Settings page and navigate to the Premium Plan section. Click “Cancel Premium Plan” and follow the prompts to confirm your decision.
  • You must manage your membership directly through your app store if you subscribed through an in-app purchase plan (Apple iTunes or Google Play).
  • Your premium subscription will continue until the conclusion of the billing cycle, at which point you can close your Credit Sesame account by visiting our terminate account page.

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Credit Sesame is a fantastic free credit and monitoring service that also provides further identity theft protection and targeted financial offers.

It gives factual information based on your TransUnion credit report to assist you in keeping track of your credit activities and reviewing your credit history. The service is secure, safe, and simple to use.

Credit Sesame should be on everyone’s radar for credit tracking because it has a lot of specific financial information on the entire website and a simple mobile app. It is not a ruse!

Credit Sesame’s one main competitive advantage would be to add another free VantageScore and report from another credit bureau, such as Equifax.

Even better, Credit Sesame might offer a free FICO score, as that is the most often used score by banks when processing credit card applications.


Credit Sesame employs what credit score?

VantageScore 3.0 is used by Credit Sesame.

Is your FICO score provided by Credit Sesame?

Credit Sesame does not provide your FICO credit score; instead, it delivers your VantageScore, which is not the same thing.

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