Credit Sesame: Build Score App Reviews

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It is okay!. It does everything that Karma does with some extra features. I would say they are the same but better? Just because they have extra features and options. But honestly it is a 3 star for me until by default they don’t bombard you with emails about applying for “suggested” credit cards, “tips” and how you should open a bank account with them. I literally get a total of 3 emails DAILY!!!!!!!!! From Credit Sesame. I have created my account a little over a week ago and I have close to like 50 emails from the app. It is like they are super desperate for you to use their applying forms or something. Like calm down. Chances are that if we are using services like yours our credit is trash 😂 so do not try so adamantly to make people apply for credit cards, read your stuff or apply for your banking things 3 times a day. It makes me feel like I am forced to do these things or that you are trying to sell a product rather than being here to help. I know you have to make money somehow but at least pretend you are on our side by lowering down the email bombardment. That shouldn’t be a manual option, it should be a setting by default.

Excellent Tool Everyone Should Use. If financial responsibility is important to you, as it should be, this free app should be one of the tools you are checking daily to keep on top of your credit and spending decisions. It gives you ideas on ways to boost your credit, credit offers from cards that may help your score in the long run, and gives you a projected score if you follow through with the advice given. There are a few financial apps everyone should have, this is definitely one of them.

Stay on top of credit with Credit Sesame.. Credit sesame is a good way to stay in touch credit checking your score and bill credit with the credit sesame bill credit card. They email you and keep you posted of any changes and any opportunity of building credit with offers that fit you the best. As a user of customer credit sesame I would like to stand my appreciation and hope to continue utilizing the help that Credit sesame provide.

Pretty good. I read several of the other reviews before adding mine and the only thing I would agree with is the amount of emails that I receive on a daily basis (yes, they are excessive). Everything else works as it should. Most of these free apps will only provide you with an updated score every 7 days (if there are significant changes to your report). In addition, most of them are only providing you with Vantage Scores not Fico Scores (which will be quite different because they use different scoring models/calculations). Also, both scores are equally important because what I’ve noticed is that sometimes a lender/creditor will grant you credit initially based off your Fico score but when granting credit line increases, they will use Vantage scores. So, yes Vantage scores are real and accurate and should be regarded as such.

Credit Sesame helped me,...a lot. The suggestions I received on Credit Sesame helped me improve my credit score by about fifty points. I always felt it was important to maintain a good credit score but I didn’t know exactly what to do. I paid my bills on time and in full but I didn’t know that wasn’t enough. The suggestion about lowering my credit card balances dramatically improved my credit score. As a result I recently qualified for and purchased my own condo. I’m no longer a renter. I got a fixed rate mortgage at the lowest rate I’ve ever seen. Credit Sesame played a big part in my improved situation. Of course God was the ring master and the shot caller.

Hacked ?. Woke up one day and couldn’t get in. I received a notification my score went up, but when I checked it said my email address and password didn’t match. So I changed the password and...same message. Tried different devices. Tried changing passwords again worried I’d been hacked. Made sure the app was updated...still same error. Otherwise... Don’t fall for the credit card offer scams. Many of them will dent your credit score and ding you if you apply for too many. Using the information about your payment history, credit usage etc is helpful. I use in conjunction with Credit Karma. I have learned a lot between the apps and my credit score is pretty high at this point. Just be prudent about the card advice...if you can log into the app!

James m Clark or clarky084. Your actions mean well yet you need to be aware of illegal actions of the Consumer Protection laws. On denying my rights to negotiate a fair contract on a SUV loan at a fair price to a fair interest charge. The beginning of my negotiations on one Chevy dealer placed almost 10 hard inquiries on me before I refused. When I negotiated with another on a better deal they hit me almost 10 inquires taking my credit score from 757 in beginning to 622. I have all those denials in copy. There needs to be a different approach on their calculations on this illegal action under the federal consumer protection laws prohibiting me from a fair playing field on all purchasing negotiations. Of which is my right to have under the law. I am sending all papers and acknowledgments to the US Banking Committee as well as US Consumer Protection Committee Along with the USAtty office to help me and others against this unjust credit liability on us Americans. Clarky

Credit Sesame. I just started using this so the ratings might change so far what I seen it looks like it could help me out. But the only thing is it wanted me to fill out for this credit card and then it wanted me to fill out another application for a credit card which is the same one they just had me fill out so that part is confusing how do you know if he was denied or approved never received anything in my inbox but I am going to check things out more today and hopefully the score will go to a five and that below the four that I gave thank you

Money transfer takes long. I recently opened a sesame cash account something like a debit card you transfer money and use it as you would a bank card. It is supposed to help with you credit score. I’ve enjoyed this app, with the only exception that any money transfer takes 4-6 days in order for it to go through. I had transferred money to pay a bill and I ended up paying with a different credit card because it took so long for the money transfer from my bank to sesame to go through. Why does it take so long, where is the money while is transferring for almost a week. Almost makes me think that this money is being used for something else in that week period of time.?

Mike hawk bernstein. So I have been working on my credit. I worked hard and then Capital One cancelled my cash secured credit card despite the fact that I never even came close to exceeding my credit limit and I made payments twice per month to work on showing timely payments. After sending me the remainder of my balance, Capital One then send my deposit back but than began billing me for unknown charges and reflected it as late payments. All my hard work for nothing because Capital Ones actions lowered my score from 630 to 575. I then signed up for this app. One suggestion was that I open a new credit account and it listed several credit card that I had a very good chance of getting approved for. I followed the suggestion to apply for a card but I was denied and this has lowered my score even more. This app hurt me credit even worse due to the denial and inquiry. DO NOT TRY THIS. I seriously regret it as it made my score worse - just like Capital One.

Credit Sesame. I absolutely love using the Credit Sesame app., I have always wanted to build my credit but never new how and I thought it was a lot of trouble or to hard but as soon as I started using Credit Sesame my credit has went from poor/no credit to almost excellent! Just in a matter of months my credit numbers started rising!!! I have had credit sesame going two years now and I have yet to have any issues, I would definitely recommend this app to help anyone that is unsure how to build there credit as well as someone that has bad credit either way it will do the trick! You honestly would still benefit using Credit Sesame if you already have excellent credit just to have your back and help building your credit less stressful!!

Great free option. This is a good free service if youre just starting to focus on your credit. Most of the information for my debts and accounts are fairly accurate. However, i also have access to my FICO score through my car note holder..and their score is 60points higher! Of course this may not reflect as much because i dont pay for the premium services, but basically if you have a good score here- you might have an even higher score in all actuality. Thats why i keep the app to have a reference point if i can get this score to reflect the FICO then my score should be substantially better! I will credit this app with helping me make a 457 into a 650 in under ONE YEAR! With help getting a secure card, and knowing whos holding my debts and what exactly i had to pay. They make this information very easy to understand. I had a lot of misconceptions about the reporting process, and this is a very clear concise way to help learn what makes a credit score.

Great app for credit evaluation. Couldn’t get on the Credit Karma because somebody hacked me there and a friend told me about this site. it not only allowed me to create an account but it clearly displayed three fraudulent credit card uses that dropped me about 70 points This site is incredibly helpful and my eyes have been opened to have the need for identity security just as you would get an alarm system for your house or car it’s no joke and you’re really really get screwed up on your credit tanks I tell my kids your credit score is your adult report card

Clearly having a data breach. I have a credit sesame card that I’ve NEVER even used in 3 years. I did not add that card to any accounts ever. Now I can’t recall if I had the card frozen through the app or not (which I always freeze cards I’m not using) but the card has been locked inside of my safe and all of a sudden yesterday it had several transactions processed taking basically the whole balance for some nerd making purchases through discord. I was not that nerd and I’m pretty sure I had that card locked since I had no plans to use it. I haven’t heard a peep about any data breach for credit sesame but clearly it’s happened since my card info was only on and accessible through their app account where you can unfreeze it and see all the card info to use it. The info was stored NOWHERE ELSE and the physical card was locked up safely.

Good App. Good app to check your credit score. I like how you receive grades for each component that contributes to your final score. The benchmarks laid out to achieve a higher grade and higher credit score are easy to understand. The only thing I don’t appreciate are the overwhelming tips recommending I get more credit cards to improve my credit utilization. I know it can work for some people in certain situations, but I think it creates more temptation to overspend. It would be better if they balance the recommendation to apply for more cards with other recommendations to actually lower your total debt.

If you download, you’ll get better credit.. I love credit sesame! This app makes raising your credit easier than ever. Every time I use credit sesame, my score improves. Over the years when I forgot, or stopped using credit sesame, I noticed my score decline again. You can get notifications, suggestions on actions you can take, knowledge about credit and determining factors, so many resources in one app. Oh and disputing, let me tell you. You can dispute certain things on your credit, if there’s an issue or discrepancy it may be removed. I had one lender who was trash, and I actually proved it, the dispute option had that entire account removed which helped my score. So many good things. This is literally a must have app!!

False Credit Score. I recently applied for a Capital One Credit Card through the app and was thankfully rejected (don’t know why I applied as last time I had a card through them after paying off the balance in full before the end of the billing cycle I got hit with an interest payment). When I got the letter from Capital One it showed my credit score was in the mid 700s but Credit Sesame has it under 700. When I checked to see which agency was being used by Capital One and Credit Sesame it was Trans Union. When I emailed credit sesame each response I have received is basically an excuse. In short skip this app and any other similar apps as they are just getting people to sign up for more credit cards and really aren’t helpful at all. Downloader beware.

I love credit Sesame!!!. Never heard of this app until my husband told me to download the app. I had credit karma before. But I have nothing but good things to say about this app. When I first started I was at the high 400 and this was back in January. Now I can honestly say it has really change my score. I have never been in the 700s and my score is at 734!!!! Follow the advice it tells you to do cuz if I would’ve never done it I would not be at where my score is at now. Oh and don’t fall back in those credit card habits either. Hope this helped.

Day One. At one point I was with Credit Karma. Due to a lack of use I no longer had my login information. They made it impossible for me to retrieve access to my account without uploading personal information, which I was not comfortable with, and there appeared to be no human representatives to assist me. Therefore, I went with a suggestion to give Credit Sesame a try. Today is day one. The process of signing up was easy enough, and all of the information I no longer had access to, I now do. So far, I am quite pleased with my decision. Thank you, Joe

Not up to date with Experian Etc.... I just received an update of my points went up on Experian , Yet CS said I went down 5 points? Obviously not doing up to date research? I do like this CS app just with it was more up to date . They keep sending me I am prequalified for two of the cards I already have had over a year!? All in all CS is what for me interested in watching out for my credit in more layman’s terms ! Not giving You a bad rating , just wish you were more up to date on us as individuals 😊

Credit Card constant Email Blast. Thought this app would be similar to Credit Karma. Though slightly helpful to see my score in comparison to CK; the constant email blasts I receive encouraging to apply for credit cards is annoying. I’m trying to improve my credit! I took their suggestion since they said it would help and eventually applied to a highly recommended one to see I prequalify for; only because they said it wouldn’t hurt my credit score. I was denied and my credit score took a hard inquiry. I looked back to find the suggested credit card and found it no longer on their list. Not happy my score took a hit. I haven’t had one in about 2 years. I’m going to the credit bureaus to dispute due to the misrepresentation.

Don't waste your time. I am trying to rebuild my credit and downloaded this to help track my progress. After making an account, the app couldn't locate my credit file and was instructed to wait 30 days and try again. After a few months, saw a commercial for these guys on TV and thought I'd give it another try. First, couldn't log in with the app and was sure I knew the password, but I reset it anyways and it let me login to their website. They still couldn't locate my credit file. Then it still won't let me sign in on the app. I emailed their support and let them know the situation and attached copies of my I'D and social security card to help them locate my file. I can't see why they can't find it. I do have a credit score and have loved at the same address my entire life but whatever. I waited and almost a week later, still NO RESPONSE. Totally unprofessional. Don't waste your time.

A stethoscope to assess your credit. I’ve found this app to be a helpful tool. Its great to see an overview of my credit. Seeing my score increase encourages me to keep my credit usage in check. Some of the suggestions are spot on for helping me present myself in the best light to future creditors. I do have to take a star away because it often is almost two months behind in reporting the payments I’ve made to reduce my outstanding debt. Also, suggestions that I have followed have not always resulted in score increases when followed. Overall it continues to be useful.

Not that helpful/accurate. My credit is BAD so obviously I downloaded this app to keep track and work on it. My score is displayed as “532”. And has been for a month and a half. I went to the bank 2 weeks ago and got a real credit report that said my actual score was 565. I then purchased the “refresh whenever for a week $1.99” option and refreshed everyday and saw no changes. I also paid off a good 60% of my credit usage in the first days of May, and it still tells me I’m utilizing 90% of my credit which is incorrect (last update on May 30). If you’re truly worried about your credit, you should contact your bank. Also do not download if you’re expecting an accurate reading of your credit score. :-) Forgot to mention I paid off all of a car loan ($3000+) at the end of April and it still hasn’t changed on this app.

Best Credit App. For me personally, Credit sesame is the best credit monitoring/ building app there is out there. It literally updates every single day and always shows the most recent changes to your credit. The app is easy to navigate and it breaks all of your information down so you can easily understand. I also love the recommendations for you to build your credit. Unlike other apps, when Credit sesame said I had “outstanding approval odds” for a credit one card, I applied and was approved that same day. I will never stop using this app!!

In need of accurate updates!. I won’t lie, out of all of the credit tracking apps, Credit Sesame is probably the best one I’ve used so far. I love how they get you matched up for credit card offers, for those who are trying to build credit. I love the suggestions as to what you can do to raise your credit score. What I’m not too thrilled with is the inaccurate reporting. My score that shows on Credit Sesame is nowhere near what my actual score is. They try to push my actual current score off as a potential score after following certain steps. Then, they have the nerve to charge you either $1.99 for 3 days or $4.99 for 30 days to instantly update your credit for you. Of course looking to see if it would show my actual score, I tried the 30 day service. Wouldn’t you know, there were no changes. It sounds like the perfect way to scam a lot of people out of some money. Not only that, after obtaining the cards they suggested, they would turn around and suggest them to me all over again. It’s a good product, just needs more work.

I don’t want another credit card - please go away!. I signed up so I can see my credit score. Since then I’ve gotten tons of emails wanting me to sign up for credit cards. I don’t want any credit cards, I have plenty. My credit score is excellent, I’m retired and everything is paid for. Why would you want me to get more credit cards? Oh wait, you must make money based on how many people sign up for more credit cards. That trick may work with others but not me. You guys are nothing more than a drug dealer with your drug of choice being a credit card. The scary thing is, most of the sheeple you deal with are more then happy to go in dept. I’d give this app no stars if that was allowed. It would only be fitting for your company to go bankrupt.

App has genuinely helped my credit. I like this app it genuinely helped to positively increase my credit score after roughly 8 months of regularly using minimal amounts of credit. I have a card with a $200 secured credit line, and use $5 of credit every month towards some subscription. This makes the utilization very low and makes amazing impact on your credit over a period of time. I love this app!

Scam. Do not use this app I downloaded it to help with my credit score amongst other things I opened a credit cash account deposited money into my account for it to disappear into thin air I have contacted support and spoke with someone a few times for them to tell me I didn’t deposit money into my account but yet I have receipts from my bank account transfer saying sesame took my money, they won’t refund it or add it to my account I don’t recommend this app at all they are thief’s I work too hard to have my money stollen from someone who is supposed to be helping me thanks for nothing I give this app and business 4 thumbs down and have reported them to the BBB

Slow Updates. Credit Sesame is pretty accurate with information regarding open accounts and they provide great tips about credit card usage, etc. However, they take a longer than other credit reporting programs to update your current credit status. I recently open a credit card last month and Credit Sesame has yet to notice and update my report, however my other program already did. Other than that, I love Credit Sesame. I do think it is more accurate and provides better advice.

Credit Sesame. This app is all about (Credit Sesame) advertisers, that's how Credit Sesame makes their money. You don’t get a complete credit report as other apps like Credit Karma and Credit Wise. Credit Sesame gives nothing more than a ”summary” statement without any details. Credit Sesame (and all other apps) give you a FAKO (Vantage Score), which is always higher so you can take advantage of their ”offers.” The app is always trying to get you to obtain its vendor services to the detriment of your credit. What Credit Sesame doesn't tell you is that your data is not safe on Credit Sesame. They sell it to their vendors, where you will be solicited incessantly for credit cards, loans, and other financial instruments. I don’t recommend using this service when there are so many other free apps that don’t abuse like Credit Sesame. People whose second language is English should especially stay clear of this app.

My Review on Credit Sesame has helped me Raise my Score Big Time.. Starting out I was in the highs 589? With no credit. I’ve built my credit up I was finally up to 698-2 pts away from 700 and when I bought a home it dropped by 20 points which was pretty disappointing. I honestly thought for sure that it would had jumped. They kept telling me I needed other accounts to Raise my Score. So I will just be Patient and wait to see it jump. I also did not know at all- That when you use your Credit Cards you only use 30%. I wished I had known that until about 8 MTHS ago or I would be in the 800’s no ?’s about it. I love this App-It Rocks👍👍👍👍👍

Not bad, not great, Watch for snakes. I signed up with Credit Sesame prior to suggesting it to a younger family member just starting a career. Here are my thoughts: Spams you to death. If you blindly follow the app you might end up with a bunch of less than ideal cards, and if you aren’t disciplined in their use you could wind up in credit hell. So, use the app as one of your information resources, but remember they are trying to sell you as many cards as they can, and the cards they want to sell you are the ones that make them the most money. I suggest new credit users/credit rebuilders get a secured card from a local bank or credit union. If you cannot afford to fund a secured card then you are the last person on earth who should want a credit card - it will ultimately make a difficult financial life into an unending nightmare. You must solve your income vs. outflow problem first. Credit cards do not solve problems, they compound them. Think of having a card like having a pet cobra - a cool thing to have, but if you let it out of the basket and it bites you, you are going to wish you hadn’t gotten it. Likewise, Credit Sesame is moderately helpful as long as you don’t let them sell you a bunch of Ill tempered vipers for your basket, er, wallet. Good luck.

Credit Sesame helped me out of bad credit!. About 5-6 years ago I had terrible credit and unpaid accounts from my partying days. I got serious and credit sesame was the only absolutely free credit score app that told you which accounts needed to be paid off, and a free credit score monthly. You don’t need to have a credit or debit card to start your account it was great. Today I have excellent credit and no negative accounts!!! Thanks Credit Sesame you guys really helped!!!

Credit Sesame Is Magic. Great app. Follow the Easy Steps to Raise your Score. I’ve referred some Friends and they also Love it. Credit Sesame even Pays You when your Score goes up. And you can unsubscribe anytime. There is no charge unless you go Premium. And if you combine this with a few other Companies that kinda do the same thing, you will see the Difference pretty quickly. Generally about 3 to 4 months. But remember, it’s not all them… you have to get everything financially under control and stick with it. Good Luck

Great app to watch credit. I have several apps for watching my credit and helping me understand the importance of my credit. This is one of the best. Many apps and credit scores are usually off a bit when it’s actually pulled however, I would recommend this app for watching your credit score and helping build by the tips and advice they give. One thing I enjoy is the breakdown in explaining things. I never knew when I was younger how important credit score would be later in life. At 42 and since 2019 I have been on a credit building journey and now I can say I have went from poor to excellent! Hallelujah!!! Also this app give alerts to anything that changes in real life time.

Great for building your credit!. I want to thank Credit Sesame for giving me the opportunity to build my credit with their services! I’m relatively new to it , but I am going to take all their recommendations for building my credit back! I Love the credit Sesame card, it has a lot of perks I’m learning as I go for building your credit with everyday purchases and other options you can use to build your credit! Thank you, Credit Sesame!! You need this card in your wallet!!

The App is Trash. The app is always closing out on it’s own. It only updates one time a month ( at the very beginning). Which cause your score to not always be accurate. All the alerts in the world with no updates. Some days the app will let you on and some days it will not. I call support they only had me to uninstall the app to then reinstall and it work for a good two weeks correctly to go back to doing the same thing. I don’t even see the point of paying for this when I my getting an update score. You would think that you see change on your credit report then whether or not it change my score I should see the change on the app but no.

Helped a lot.. Despite the ads for bad credit cards, this app really is great. I brought my credit up from 560 something to 673 since August 2020. That’s not nothing. That brings my credit from poor to good and on track for very good. The app won’t do the hard work for you, but use their suggestions (i think one was minimize your credit usage and maximize available credit, for example). It really helped saved me from my collapsed credit. Thank you credit sesame

Free Transunion Credit Score. According to something I read Credit Sesame shows your Transunion Credit Score. It's great that it is offered free and if your search around the app you can learn which components impact your score the most - like keeping current with your payments. Our credit scores are more important than we think. Employers can decide to hire you or not based on your score. Even our auto insurance rates can be impacted by your score. So it's important to know your score, how to bring it up or keep it up and with tools like Credit Sesame it's not only possible but free. 😊

BEWARE !!! Thanks (NOT) for Hurting my Credit !. Credit Sesame sent me a chance to obtain a Credit Card that I had a “Good” possibility of receiving. I could not find out anywhere on the display what type of “credit pull” was involved, it did not say in the FAQs, and there was no phone number or chat to ask. All of the Card offers I had seen on other Credit Apps were “soft pulls” to see if you met their minimum requirements, so I tried it. I got a Credit hurting Hard Pull, & turned down as well. Thanks Credit Sesame for lying to me about “Good” probability of success, & not warning me of a Hard Credit Pull which would have stopped me before I did damage. Bottom Line, take everything Credit Sesame sends you with a 50 Pound bag of salt (not a grain). They are clearly NOT pre-screening properly & don’t really give a hoot about helping your credit. Just pushing Cards to make money. You will get massive useless emails. They use TransUnion (may be part of it. I don’t know for sure). TransUnion is the worst of all Credit Reporters. I’m done with you Credit Sesame. You tricked me once & cost me valuable points while you no doubt got paid with a bogus “matched to my credit offer.” You use crappy TransUnion. There are better Credit Apps out there (Credit Karma) which are more useful & transparent. So, your sketchy marketing cost you this customer. I might look but I’ll never do any of your Credit Offers ever.

Sesame Says Me. First off, Ever since I had gotten the Credit Sesame App. I find myself going into the app to see my credit score. This has given me a sense of peace and gratitude. I am 45 years old and have never had action on my my credit. Which kept my credit score at a low standard. I was married for 16 years. Everything was in my ex husbands name. He controlled everything, from finances to having only his name in our bills. I didn’t know anything better. I just thought that is how things were. Until we divorced. It’s been a tough road for me. But things are looking great for me. So with that said. I recently bought my first car. The greatest day in my life. Besides having my daughter. Ever since I bought my car and making my car payments on time. My credit score jumped up to 685 points! Amazing! Now having access to my score and the tools to keep increasing my score through the Credit Sesame. Has giving me comfort. I encourage all to get this app. You won’t be disappointed. This gives you the push to keep moving forward in a positive motion. Thank you Credit Sesame!

Awesome App - Debt / Credit / Ratio Analysis A+. Great app - not only do they provide the red user with tips and recommendations on how to improve score or what steps to take next. The way my debt, credit, usage %s, available credit is broken really made me get a very clear picture of my financial standing at this very moment and over the last couple of months. When you use the app click on the different elements in the graphs, the data drill down is very very informative. Yesterday, I thought I was in a precarious situation. Today, I feel very confident about how I can go about knocking the rest of my debt out and I know exactly which cards to pay down first and this is all to do with how my debt is being presented to me in balance, green / red indicator lines & %s. Very very good app. Excellent job

Follow tips!. Following the tips from credit sesame, and of course making sure my bills are pd on time, has really made a difference in my credit score! There are so many factors involved with having good credit, so I just follow the suggestions that credit sesame sends me, and my credit just keeps going up! Credit usage, mix, age, debt to income ratio, etc. Is a lot to keep up with. They do it for you based on your credit profile, and it’s free! It’s really been a huge help to me!

Credit account correction……... Its give me an idea of where I stand with my credit status; by the way I already paid off my BPaccount completely so I need to take out that account that have myself on a delinquent status I need to remove that account from my credit report thanks because I plan to buy me an house on Milwaukee Wisconsin I be looking at different houses where I like to live the rest of my life thank you so much……. Ps: I have evidence that I pay off that account ………

Could always count. I can’t thank Credit Sesame enough for being or bring a debit/credit card out; I mean it help me in so many ways from direct deposit, paying bills or just giving me points for keeping money and spending it in a manageable way. I remember a few times I had low cash and didn’t have no money to eat, man out the blue they gave me ten bucks I guess for maintaining a account or for the direct deposits I had, anyway it help me get through the day big time and I thank you for it all. Credit Sesame is a choice over many debit cards out . Can’t go wrong with them. Thanks C.Price

Resurrecting my credit. Everybody kept telling me to join Credit Sesame in order to monitor my credit score and begin anew. My credit plummeted last year due to severe illness and inability to work. I stopped looking at my credit score because it was wicked depressing not being able to do anything about it.I felt helpless. So now rather than sit back and wallow, i’ve begun chipping away a little bit at a time and the joy is watching my credit score slowly but surely inch its way back. Credit sesame is giving me the inspiration I needed.

/ 2nd Live chat. I was recently in a live chat with this CRS named Jamie, I don’t know her last initial. Literally I called 2 times and the first time, my problem wasn’t solved nor payed attention to because I have been emailing and receive no response which is very unprofessional. Thanks to Jamie, my second time calling was a success in fixing the the issue. She made sure to fix the problem right away and made sure it was a success. Thank you Jamie if your seeing this. P.S. she deserves a raise if you ask me.

Definitely a Credit Rebuilding Tool. I use to think these apps were useless and I suppose I wasn’t utilizing them properly. I am disabled and it’s challenging to keep credit in good standing with the ups and downs with my health and unstable employment. I’ve sought after work for 6 months with no avail. It’s tuff but I know God is my Provider. I have been spending extra time in his word and when I say won’t he do it…Won’t he do it! I’ve applied for a secure line of credit with banks and got denied multiple times. I argued with the reasoning behind the denial because it was secured applications so I turned to God asking him to direct my steps. I paid for Lexington Law Firm and my credit went up by 37 points I felt good but was apprehensive about applying again and I downloaded credit sesame. I started to monitor the approval odds more closely and I felt after being on unemployment for about 5 months I’m approaching the final unemployment benefits budget. I decided it was time to apply for one of the credit sesame approval odds cards for Capital One Walmart Rewards unsecured cards and was approved. They verified my identity before approving me but I was so relieved that I got approved and I really needed help with groceries. God made a way. Thanks to Credit Sesame for suggesting the best options for my situation.

Scam alert!!!!. After using their ap and applying for one of their recommended cards, I was asked for additional personal information I had not provided when applying. They would not activate my card until I provided them this additional personal information they claimed to need to verify my identity. I was calling from the number on file and got the card at the address on record. I provided my social, bed, etc... on the ap itself the card I received wasn't even showing. When I asked for a manger, she claimed to be the manager. Needless to say I have shut down the account. But I am VERY concerned my personal information has been compromised by this ap and would NOT recommend it to anyone after that ordeal!!

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Credit score may not be accurate.. I like this app. It has many great features. However, the other credit monitoring/score apps I have DON’T match with this one AT ALL. Do you report a much higher score, to promote, and encourage the user to apply for credit cards you recommend? I suspect you do. Something is not right here. You’re reporting a score that I’d love to have, but I’m afraid isn’t accurate, or misleading. In my case, please check on this. It’s not helpful at all.

I like it. I like the fact that I was offered a debit card to raise my credit. People say you need a credit card to raise it, but I’ve applied for a few and it gave me hard inquiries on my score. So I’ve been doing small installment loans to raise it but it takes so long. Plus I get stuck in a payday loop. But yea. This is great. I’m very happy with credit sesame. Thanks you guys!!

Inaccurate. They send me a notification every few days saying that my credit went up or my credit score has changed and when I open up the app nothing’s changed and this happens every single time and it look at the last update and it says a month ago! Credit Karma is way better because if you get a notification that something changed it actually has plus they give you an updated credit score every seven days for free unlike credit sesame that wants you to pay for an update that’s not there. (This is not a bot or a paid review) if I could give no stars I would.

New update won’t allow me to see premium paid for content. I updated the up and now the page for overview will not load. This is the page you click to update score daily if you paid for that feature. Nowhere else in the app can you update the score so now I can only see old information throughout the app from before I updated. I tried uninstalling and reinstalling but that didn’t work. Very unhappy right now. I want my money back unless they fix this.

Like the app. I really like the app it tells me my credit score. I just wish it was free like when it updates I don’t wanna have pay 1.99$ for a week and 4.99$ for a month. But this is only app that really shows my credit score. Unlike credit karma. Other wise I haven’t had any issues with this app. It’s nice to keep track but I also wish I knew I could see the marks against my easier.

The Notifications. The app is supposed to help you manage your credit but Credit Karma is better I believe. This app sends unfulfilling notifications and tries to get me to run my credit on more credit building options. It looks way cooler than any credit building app but if you know more about credit than the average person this app doesn’t help too much.

Decent but definitely not good. The free version of credit karma offers more than this app, such as both Equifax and Transunion for free. It’s only with a monthly payment are more creditors offered. Also, the suggestion to apply for more credit cards to increase your spending limit is the worst possible suggestion to improve your credit score. Applying for more credit cards encourages the possibility of more debt which then becomes a vicious cycle. I’m not sure who created this process but if you want to help yourself financially seek out a financial advisor and look up Clark Howard, a money and financial expert.

Disappointed Daily. I used to really love this app, but it is continually changing for the worse. This app glitches more often than is acceptable for something that provides such important information. It also gives options to see updated changes, but the information either isn’t there when I click on it or is not updated. Additionally, even though I update my score daily on both the app and the desktop version, I’m shown different scores. I don’t trust the app to be accurate anymore. Charging $10/ month is outrageous considering how heavily credit cards are pushed. Credit cards are not the answer, not to the extent that Credit Sesame suggests. I’m not willing to pay for this anymore. When I tried to cancel my plan today, the app says to call the phone number at the top of the page, but there isn’t one. Scooting back over to the desktop version, I found that I have to send an email to get assistance with the cancellation of my plan. Ridiculous, difficult, cringy and unacceptable.

Won’t Load!. Download App, create account, enter in mailing address, then hit next radio button get a non identifiable error message. Tried Spelling out South and West instead of S and W after road numbers, uninstalled app then reinstalled and same error message. Heard good things about the service but.. what good is it if you can’t get past the enter personal information page to see how the service preforms?? Yes, loaded the latest version from App Store onto my IPhone 11 Pro..... in other words, garbage. To developers, would like to change my mind about the service offered by your App. So give me a reason to, send some relief, answers, bug fix. Not anything at my end generated this Error.

Credit card advertisement. The whole thing is a credit card advertisement, all advice is to get another credit card, provides no information about phantom charges showing up on credit cards that have a $0 balance, and it has been showing one of my credit cards at an age of 0 months and 0 years since I opened it last year.

Hurts credit more then helps. I have been using credit sesame along with Experian and the 2 are completely different. Credit sesames score shows over 100 points lower than all my others and I have been working really hard on my credit to get it where needs be to buy a home. Experian is a lot more accurate and don’t tell you you have excellent odds for a credit card just to get denied on all and have a hard inquiry on your report for 2 years. Every card experian said I would get I got and have gotten 6 now to get my credit going. Steer clear if you want to improve your credit not hurt.

They stole $100. I signed up for their new checking account and transferred $100. It has already been taken out of my account and it’s no where to be found. The app doesn’t show me anything and I get an error message every time. When I tried logging in to the website version it said they can’t create a checking account for me even though I already created one and transferred money to it. Where is my $100!? I am currently laid off because of covid and every penny matters so much to me right now. I only did this because they offered cash back and I was trying to save money. Now I’m out $100

Credit Sesame makes my life so easy.. I am totally blind and I am using iPhone 13 which has an accessibility app, but how Credit Sesame made my life so easy it gives me my credit scores also makes it easy for me to check all of the bureaus and give me options for different types of credit cards, which makes my life so much easier. Thanks again guys keep up the great work.

Easy as pie. I love the app. Some complain it advertises credit cards (it’s an advertiser driven free service!), but the cards they recommend are good cards, and they are accurate as to your chance of success. What’s much better is the easy ability to fight errors on your credit report, and easily coordinate between transunion and equifax. It’s solid, and I check the app often. Not glitchy or half assed. Does what the experian app wants you to subscribe a very high price for.

Helpful!!!. This app does a good job of reporting my score. It also shows me cards that I do have good chances of getting. It's not stating that you will "FOR SURE" get the card it's recommending. It's simply saying that if you do go for that card your odds are good. The only thing is each credit card company has its owns rules that may or may not qualify you. That's research you have to do on your own. Other than that! It's a great app!

App has genuinely helped my credit. I like this app it genuinely helped to positively increase my credit score after roughly 8 months of regularly using minimal amounts of credit. I have a card with a $200 secured credit line, and use $5 of credit every month towards some subscription. This makes the utilization very low and makes amazing impact on your credit over a period of time. I love this app!

Unable to login. Update: Looks like recent update fixed the issue. Overall this is the first time I’ve had trouble with this app in the 2 years I’ve been using it. Overall happy with the app and services. Able to log in to website but unable to log in to app. Reset password and issue persist. Please fix

Loving Credit Sesame. I really love credit sesame. I am able to check all 3 of my credit scores and they are updated every few weeks! I like being able to see the progress that I’ve made and keep up with my goals for my credit score. There are many great features, so download and use credit sesame and stay on top of all 3 of your credit scores. Thank you credit sesame!!!

Do no pay for premium. I was interested in premium for the rent reporting option. They claim they cannot get ahold of my landlord. My landlord claims he has never gotten a call or an email. I try to call credit sesame for weeks and get the same recording stating their not taking calls and recorder is full. They give you an email address to contact but after a month of trying no one ever gets back with you. I cannot find any other way to contact credit sesame about this leading me to believe that credit sesame is just a scam to take your money and leave you hanging when you would need them most.

Need support help for this app. I have subscribed to the premium service for this app through my iPhone. However, have not received the service either online through a browser or through the app where I would like to see it. My problem is I have filed three support requests through the only mechanism allowed (the help center) and received no response. There is no contact telephone number for support or any other means of getting help. I have made one last attempt. I will dispute this charge on both my credit card or through Apple if I cannot get this resolved. Credit Sesame has no interest, it seems in resolving technical issues with their app.

Nice app, could be better.. Great app, with great features. The interface needs more attention, it needs cleaned up. There’s no need to have card offers in several different locations… I give it a good rating because I don’t know of a better app. This thing tracks your debt to income, your credit score, total debt/assets… it tracks a lot of good information, but definitely could have a cleaner interface.

Credit karma is king. I actually signed up for credit sesame 4.99 a month program. However the unlimited score refreshes of course didn’t work at all and it kept referring me to sign up which I already had. Garbage app. Garbage suggestions. The big thing to me is how greedy credit sesame is. Their partner offers are much more aggressive and I have found that if they say your odds for approval are good or below it means you have no chance. Credit karma on the other hand is much more realistic and when you see a suggested card or a matched card pop up it’s almost a shoe in.

Credit Sesame application review. This insightful application performs as intended. Accurate profiles of your personal use of credit and active loan activity. Concise and timely updates. Solid and clear recommendations to improve your financial profile. Convenient access to your history and active financial data in your credit reports by the BiG 3; TRANSNUNION, Experian, and Equifax (3 credit reporting agencies). A How to Improve your credit for Dummies app. Good, safe start.

Great app!. Being a young adult, credit is so important! Having good credit and abusing it was my situation, being young and dumb! Now I’m realizing I need to rebuild and take this “credit” thing more seriously! I have been using this app for about 6-8 months and it has improved my credit score by 30-35 points! It’s nice to see a real time of your credit and being more aware! Thanks to this app! And best part it’s free unless you pay to upgrade!

A little behind the times. I like the app but sesame cash is slower than molasses in January when it comes to bank transfer, besides bank transfers are very slow yes free but slow. Cash app offer debit card to debit card transfers and they only take seconds to transfer money, yes you pay a small fee for it but the transfer is done instantaneously I will never do a bank transfer ever again.

Disappointing. I’ve written to Credit Sesame multiple times over the last two months since they sent the updated terms. I have been trying to close my account and withdraw funds because for reasons unbeknownst to me I'm unable to do it myself. I’ve gotten NO response and I’m still being charged. Super unhappy about this.

Tells me what I need to know. A friend told me about Credit Sesame when I was getting divorced and worried my ex would be vindictive or something. It’s exactly what I needed. It notifies me when something is added to my credit report or if anything changes. I have the free version. If you can swim past all the credit offers which sometimes makes it hard to find what you are looking for it’s a great app and does a great job of showing you what’s going on with your credit.

Decently accurate score. The app is very helpful . While it is not 100% accurate it gives a very good indication of your overall credit health. The only downside is that you have to pay for up to date credit scores . It updates your score maybe once or twice a month if you want a more up to date credit score there is a fee. Other apps such as credit karma will update your score weekly free of charge.

They stole my money. This app offers a 4.99 option to get daily refresh for 30 days. I paid for this and nothing was unlocked. Thinking it could be an app malfunction i contacted support (which is hard to figure out) to let them know the issue. After 2 days of no response, i contacted them again. Then again. Its been 2 weeks, they have taken my money and I have not got the service i paid for. At this point i just want my refund and to be done with this horrible app! Not to mention, the reports not accurate, the app is not user friendly and customer support does not exist.

I can't decide, rigged, hoax, witch hunt or just plain fraud ?. This company is an incredible paradox. They keep track of your finances to report to others. They charge you to know the information they sell about you. If you buy, they refuse to stop charging you. You will work for hours in an attempt to terminate service. GOOD LUCK ! They hide behind obvious telephone, email, voicemail,and onsite dodges. This method is used by scum operators to force more monthly payments out of unsuspecting consumers. You have seen it before from others, don't fall into "Credit Sesame" 's pit. They WILL extract many extra monthly payments out of your card before you can get rid of them.

Tips. I really appreciate credit sesame and have increased my score just by following the app. I spent 1 year making payments to lawyers to clean my credit and my score did not improve much, maybe by 10 points and as soon I stop the payments a year later everything went right back to being the same. I recommend credit sesame to everyone I know. Right now my goal is get to a 640 score minimum to buy a house.

Pretty lame unless you pay up.... Credit scores are way behind current probably to get you to buy product you don’t need. You only get one bureau score not three so this is honestly a waste of time. You can see what you see here on the actual bureau apps without the delays or hassles. Delete...delete...delete this app unless they make it actually useful.

More spam than Hawaii. Seriously, the other reviewers who talk about all the spam emails after you create an account, are NOT joking. I get at least 2-3 emails EVERY day telling me to open new cards or apply for a loan... obviously they get a kickback when you do this... and new inquiries can cause your credit to drop... also, a “New” account significantly impacts the average age of your accounts, which also drops your score. On just those alone, it becomes more obvious that Credit Sesame is more keen on making money off you applying for things than they actually are for the well being of your credit score. Classic baiting here, folks... avoid this app, Credit “K” is way better.

Scam. Do not use this app I downloaded it to help with my credit score amongst other things I opened a credit cash account deposited money into my account for it to disappear into thin air I have contacted support and spoke with someone a few times for them to tell me I didn’t deposit money into my account but yet I have receipts from my bank account transfer saying sesame took my money, they won’t refund it or add it to my account I don’t recommend this app at all they are thief’s I work too hard to have my money stollen from someone who is supposed to be helping me thanks for nothing I give this app and business 4 thumbs down and have reported them to the BBB

Bad credit to Great credit Journey!. I had bad credit and knew nothing about credit at all! Not only did this app teach me about credit but also gave me all the tools to fix and build my credit from scratch. It is so easy to learn and so not expensive. I am raising my credit so fast and it is so exciting to see my credit score raising daily! Thank you credit sesame!!!! I am forever Grateful!

Inaccurate credit score info. I received daily emails from Credit Sesame with absolutely inaccurate information about my credit score reporting me that my credit score went down but when I look at the application, it says my score actually went up. Please STOP sending me those spam emails with incorrect information. Therefore I didn’t renew my yearly subscription with Credit Sesame.

My Review. Very good Application lets you know how you fair as looking and straightening out your credit and a strategy to help you along the way. I’ve used other credit sites and by far this is one of the best in helping you to straighten and strengthening your credit so you know when your going to apply for a loan for either a car or house your not surprised. Thank you Credit Sesame.

Instant updates severely lacking. I had high hopes with this app and the instant updates (that I paid extra for) but I’ve found the data isn’t update as I would hope. I use credit karma, nerd wallet and mint and all of those are more up to date and accurate than credit sesame. I definitely won’t be purchasing anything through this app again when the free apps are more consistent and up to date

Great App. But.... This is a great app. When I went for a loan a few years ago, the apps listed credit score for me was the exact same at the credit pulled by the bank. That was a good feeling. I’ve had other apps that weren’t as reliable. I gave 4stars instead of 5 bc the app has changed so much as is not as easy to use. I used so much of this app to fix my credit several years ago. I wish it was the same as then. All and all though, I still use this app 100%!

Nancy. I avoided enrolling into any credit assistance for thoughts that it would be a long hard dragged out deal , when in fact Credit Sesame has made it easy to help recover , and discover new and easy ways to return to a level of credit worthiness to be comfortable in life’s everyday necessities. Thank you and I highly recommend taking a look see into recovery of your credit with CREDIT SESAME 🍾

Decent credit checking app. So I got this app to find something better than Experian, because I wasn’t getting my credit score and finally I downloaded this app, and I had a credit score waiting for me and since I’ve had this app with my credit card, my credit has gone up a lot compared to experian never giving me a score, I’ve now got a score of 721 and it continues to grow !!

Best credit app ever. I just started building my credit and with other apps like the Experian app it was hard for me to see my credit scores because of “errors” and technical difficulties which was very frustrating for me but I downloaded this app and it was a easy set up and I was able to my scores in a instant. Thank you for making such a easy app to use!!!!

My credit went up 70 points in 2 months. Man I lost all my credit during covid it was terrible 560 so I downloaded this app ,and got a credit card .Then I used it just like the app said, and now my credit is almost good enough to get a different card … I wish I had stuff like this when I was growing up …thanx credit sesame . My goal is to get a Tesla … let’s see

Great for looking and keeping track of credit score. This app is great for keeping up with your credit score and the things affecting it. The only glitch I have noticed is that sometimes, the online version and app show different things on what is affecting my score, specifically for me, different things for the derogatory marks on my account. But it’s not enough to be an issue.

Changes to App. I've used this app for the past couple of years and I often refer back to it. Not sure why you changed the design of the app but it is no longer user family. Used to provide more info. Example: who made the credit inquires. Now it just tells me how many but not by whom. It really helps to know that info. Plus you just can't click on overview and see a clear picture any longer. Think it time to remove this app and find another. Should of left it instead of changing it. I'm not afraid of change but when the upgrade makes it hard to find info then it's not worth my time.

Scam alert!!!!. After using their ap and applying for one of their recommended cards, I was asked for additional personal information I had not provided when applying. They would not activate my card until I provided them this additional personal information they claimed to need to verify my identity. I was calling from the number on file and got the card at the address on record. I provided my social, bed, etc... on the ap itself the card I received wasn't even showing. When I asked for a manger, she claimed to be the manager. Needless to say I have shut down the account. But I am VERY concerned my personal information has been compromised by this ap and would NOT recommend it to anyone after that ordeal!!

Keeps me on top of my score!. Credit Sesame is fantastic to help you motivate you to keep your score up. I went from a 420 credit score to a 704 I just two years. They’ve given me advice on how to improve my scores and they let me know what I need to work on to get a higher score. Also let’s me know if it goes down and why. Love love this app!!!

A Wonderful Game Plan!!. This is the very first time that I had a system that gave me an alert , when something was add or taken away from my credit report. It even has a breakdown of how to maintain my credit card bill to a minimum of $20 for growth. Showing positive and negative things to help you be more greater while building your credit. While laying my foundation for the future!!

Too many sketchy offers. I get too many semi-predatory offers. “Consolidation loans” and the like, with interest rates comparable to payday loans. Today, it told me I could potentially improve my credit score by building my “credit foundation”. When I clicked on the email link it only had ONE of my six cc accounts, and told me I needed five more. 🤬 Not ok. You aren’t helping, if your info is incorrect (or intentionally misleading), and you’re pushing SUPER high interest loans. If you more claiming to try and help people, do it! Stop taking advantage of customers who don’t understand the system. And STOP PARTNERING with companies that have insane interest rates!

I just jumped up 74 points off of $100 in the credit builder account amazing. I recommend anybody trying to establish credit build credit or repair credit get sesame credit because they will build you to where you have the best credit and you can get financed for anything I jump 74 points on $100 credit builder stash away Lovitz