Credit Sesame provides your TransUnion credit report information along with the factors affecting your credit the most. Like Credit Karma, you sign up by creating an account, but you won’t have to enter your credit card information. Once you’ve created an account, your membership gives you access to a monthly update of your credit information, but you can access your account at any time.
No. Credit Sesame says its core free service provides a TransUnion score, credit monitoring, and related information without requiring a credit card. [Credit Sesame help page](https://help.creditsesame.com/hc/en-us/articles/360002666552-Is-Credit-Sesame-really-free)
The core service uses TransUnion data rather than a combined report from Equifax, Experian, and TransUnion. Credit Sesame describes the free product as a single-bureau service.
The service highlights the factors affecting a user's score, such as payment history and credit utilization. Those explanations are intended for credit education and monitoring, not as a replacement for checking the underlying account records.
No. Credit Sesame is a consumer monitoring service based on TransUnion data, while AnnualCreditReport.com is the federally authorized source for free annual reports from the three nationwide bureaus. [USA.gov credit-report guidance](https://www.usa.gov/credit-reports)
Be the first to review
Share your thoughts with the community and help others make better decisions.
I followed Credit Sesame's advice to increase my credit score by applying for another credit card. I was approved but my score dropped by over 100 points. Beware of following the advice of this company.
I signed up for Credit Sesame to monitor my credit file. Since signing up, I have learned some things that can help my credit and improve my score. I also like the credit tips and the information about credit cards and how your approval odds are.
Ever since I signed up, I was quite skeptical; wondering how were you guys going to help in repairing my Credit; but the results are phenomenal & I can't believe how quickly the score has risen.... Thanks for everything & keep up the good work
I was using Credit Karma to try to rebuild my credit and had little success. Then, I heard about Credit Sesame. In the time I've been using Credit Sesame, which has been roughly a year or so, I've been able to restore my credit from Poor to Excellent by following the advice provided based on the information they pulled for nothing at all. Credit Sesame is definitely knowledgeable as to the formula to determining credit scores, which is accurate to a T! Thanks Credit Sesame!!!
Credit Sesame lets me know when there has been a change to my credit score. They show you how each factor affects your score. This is very helpful. They do also let you know about credit cards you may be able to get based on your score. I'm sure they make money on those.
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.
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.
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.
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.
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.
I followed Credit Sesame's advice to increase my credit score by applying for another credit card. I was approved but my score dropped by over 100 points. Beware of following the advice of this company.
I signed up for Credit Sesame to monitor my credit file. Since signing up, I have learned some things that can help my credit and improve my score. I also like the credit tips and the information about credit cards and how your approval odds are.
Ever since I signed up, I was quite skeptical; wondering how were you guys going to help in repairing my Credit; but the results are phenomenal & I can't believe how quickly the score has risen.... Thanks for everything & keep up the good work
I was using Credit Karma to try to rebuild my credit and had little success. Then, I heard about Credit Sesame. In the time I've been using Credit Sesame, which has been roughly a year or so, I've been able to restore my credit from Poor to Excellent by following the advice provided based on the information they pulled for nothing at all. Credit Sesame is definitely knowledgeable as to the formula to determining credit scores, which is accurate to a T! Thanks Credit Sesame!!!
Credit Sesame lets me know when there has been a change to my credit score. They show you how each factor affects your score. This is very helpful. They do also let you know about credit cards you may be able to get based on your score. I'm sure they make money on those.
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.
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.
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.
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.
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.
I followed Credit Sesame's advice to increase my credit score by applying for another credit card. I was approved but my score dropped by over 100 points. Beware of following the advice of this company.
I signed up for Credit Sesame to monitor my credit file. Since signing up, I have learned some things that can help my credit and improve my score. I also like the credit tips and the information about credit cards and how your approval odds are.
Ever since I signed up, I was quite skeptical; wondering how were you guys going to help in repairing my Credit; but the results are phenomenal & I can't believe how quickly the score has risen.... Thanks for everything & keep up the good work
I was using Credit Karma to try to rebuild my credit and had little success. Then, I heard about Credit Sesame. In the time I've been using Credit Sesame, which has been roughly a year or so, I've been able to restore my credit from Poor to Excellent by following the advice provided based on the information they pulled for nothing at all. Credit Sesame is definitely knowledgeable as to the formula to determining credit scores, which is accurate to a T! Thanks Credit Sesame!!!
Credit Sesame lets me know when there has been a change to my credit score. They show you how each factor affects your score. This is very helpful. They do also let you know about credit cards you may be able to get based on your score. I'm sure they make money on those.
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.
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.
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.
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.
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.
No reviews yet
Be the first to share your experience
Your review helps others decide
Save your favorites and follow how their scores change over time.
Already have an account? Sign in
Enter your email and we'll send you a reset link
