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Credit Sesame

Credit Score and Credit Report
Monitor and improve your credit score, overall financial health and meet your money goals.


Are you interested in improving your credit score but don’t know where to start? Many online outlets provide tips to help you take the first steps. But Credit Sesame steps it up a notch by educating you with premium content. You also get credit management resources to lend a helping hand on your journey to better credit health. You can also leverage a plethora of interactive tools to meet other pressing financial goals. 

What is Credit Sesame?

Credit Sesame is an online platform that prides itself on helping consumers improve their credit scores and overall financial health. After the last major financial crisis, founder Adrian Nazari created Credit Sesame to help consumers recover and boost their financial health. Not only did the platform offer exceptional financial advice, but users could also get their credit score for free online.

Since its inception, Credit Sesame has morphed into a leading hub of financial tools and resources. Free credit scores are still available. There’s also credit monitoring, a credit-builder product, identity theft protection and Sesame Cash to help meet your savings goals. All these features are available for free and accessible on the website or via the mobile app. 

How Does Credit Sesame Work?

Credit Sesame makes it easy to manage your credit health, make informed financial decisions and meet financial goals. The online platform keeps tabs on your finances behind the scenes. It uses this information to make customized recommendations to help you take control of your credit and overall financial health. 

What Does Credit Sesame Offer?

Credit Sesame offers an assortment of valuable financial resources and tools. 

Credit Score and Identity Protection

View your TransUnion VantageScore 3.0 for free and get real-time alerts any time there’s activity in your TransUnion credit report. Plus, you can view your free credit report card that contains all your credit and debt accounts along with tips that could boost your score. 

As a member, you’ll also get $1 million in identity theft insurance along with live support to help you restore your identity if it’s compromised or stolen. 

Sesame Cash Account

The Sesame Cash Account is a fee-free prepaid debit product that lets you build credit with everyday purchases. (1) You can use the Sesame Cash debit card everywhere MasterCard is accepted and earn up to 15 percent cashback from your favorite retailers. (2) 

If you enroll in direct deposit, you can also get your paycheck up to two days early. (3) You’ll also earn up to $100 when your credit score increases. (4) 

Credit Sesame Credit Builder

Use funds in your Sesame Cash Account to start building credit. (1) Simply allocate a portion of your balance towards the credit builder tool and choose your utilization. Credit Sesame will create a virtual Secured Credit Card for you and report it to the three primary credit bureaus – Experian, TransUnion and Equifax. 

Credit Sesame will also take a few purchases from your debit card to create a balance on your secured credit card each month. Credit Sesame will then pay the balance in full and report payment activity to improve your credit score over time. 

Credit Sesame Mobile App

Available on iOS and Android devices, the Credit Sesame mobile app allows you to access all the valuable features while on the go. 

How Much Does Credit Sesame Cost?

It’s free to use Credit Sesame. However, three premium plans can help you meet your credit goals even faster. Here’s an overview of each: 

  • Advanced Credit Plan: $9.95 per month and includes daily one bureau credit score updates, monthly three-bureau credit score updates and monthly three-bureau bull credit reports
  • Pro Credit Plan: $15.95 per month and has all the perks of the advanced credit plan along with three-bureau credit monitoring with alerts and 24/7 live experts to help you resolve discrepancies in your credit report
  • Platinum Protection Plan: $19.95 per month and includes all the benefits of the Pro Credit Plan plus lost wallet protection, Social Security number monitoring, black market website monitoring and public records monitoring 

How to Get Started with Credit Sesame

Become a Credit Sesame member by signing up online or downloading the mobile app and creating a unique profile. It only takes 90 seconds of your time, and you won’t have to put a credit card on file to get started. 

FAQs About Credit Sesame (4)

  • Is Credit Sesame Safe to Use?

    Yes, Credit Sesame has safeguards in place to protect your information. You can view the Privacy and Security Policy to learn more about firewalls, encryption and other security practices.

  • Is Credit Sesame a Legitimate Company?

    Yes, The online platform is accredited by the Better Business Bureau with an A+ rating.

  • Does Credit Sesame Provide an Accurate Score?

    Credit Sesame provides the TransUnion VantageScore.

  • Can Credit Sesame Hurt Your Credit Score?

    No, Credit Sesame won’t hurt your credit score as the platform uses soft inquiries to access your credit data. But suppose you decide to apply for one of the recommended products. In that case, the lender could perform a hard inquiry on your credit profile.

Credit Sesame

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Credit Sesame Products and Services

Why Us

Get Free Credit Reports and Scores

When you sign up for a Credit Sesame account, you’ll get your free credit report card, credit score and credit monitoring. Plus, there are suggestions directly on the dashboard to start improving your credit score.

Build your Credit Score for Free

Credit Sesame offers a free credit builder tool that lets you improve your credit score with everyday purchases. (1)

Get Paid as Your Credit Score Improves

Credit Sesame will reward you for your score improvement efforts. (4) Compensation is $10 if your score improves by 10 to 99 points. It increases to $100 if your score increases by 100 or more points in the same cycle.



Sign Up for Credit Sesame

Take the first step towards improving your credit health and meeting your most important financial goals. Sign up for a free Credit Sesame account today to get instant access to your credit score, credit report card, a credit builder tool and customized recommendations to boost your overall financial health. You’ll also get free credit monitoring alerts and earn cash as your score improves. (4)

Manage and Build Your Credit Score

Sign up for Credit Sesame to get free credit scores and credit reports, access a free tool to help you build and improve your credit score that rewards you for your score improvements along the way.

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    Learn more about Credit Sesame vs. Credit Karma, what they offer, how they differ and how to choose one to improve your credit health.
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    This page’s information results from independent research by our editorial team, who does their best to reflect factual and accurate information about the financial institution and its products. Financial institutions are not responsible for the content posted on; visit the financial institutions’ website or contact it directly if you have any questions.

    If you work for this financial institution and want to adjust any information, contact us at [email protected].

    (1) Sesame Cash is a prepaid debit card issued by Community Federal Savings Bank (CFSB). Building credit with Sesame Cash requires you to also open a virtual secured credit card with CFSB that is reported to the credit bureaus. Use money from your Sesame Cash account to create a virtual secured credit card. Your debit card purchases are then added up to create a balance on your virtual secured credit card. As you make these purchases, an amount equal to the balance on your virtual secured credit card is also set aside in your Sesame Cash account to ensure you can make timely payments to pay off the balance on your virtual secured credit card at the end of each month, allowing you to build a positive payment history. Credit Sesame does not guarantee credit score improvement. Any predicted credit improvement from the use of your virtual secured credit card assumes that you will maintain healthy credit habits, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning, and more.

    (2) Cashback offers are powered by Empyr, Inc. and Button, Inc. Cashback requires the activation of any active offer before payment is made. Offers vary by geographic location and are subject to change. Please review the full program terms for more details. 

    (3) Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

    (4) This is a limited time offer. To be eligible for cash rewards, a minimum deposit, every 30 days, must be made into your Sesame Cash account. Rewards earnings are available for credit score improvements of ten points or more within a 30-day reward cycle. Improvements are calculated from your baseline credit score, as determined by Credit Sesame. Please review the full program terms for more details, including the minimum deposit amount for this program term.

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