2,112
Trustpilot reviews
mixed-to-negative tone
Report
Should I Use Credit Sesame?
Find financial products that meet your needs with Credit Sesame. Discover how you can improve & monitor your credit score, spend smarter and build your credit for free!
Skip
SkipOnly worth it if you want a free, TransUnion-only score snapshot and accept the 2025 data breach risk.
Free TransUnion score tracker undercut by a 2025 data breach, hidden-fee complaints, and reviewers preferring rivals.
Confidence: Medium
$291M+
Total funding
12 rounds; IPO rumored
Yes
Free tier
TransUnion score + report summary
~500K/mo
New members
company claim, 2020
Value for money
3
Core is free, but hidden-fee complaints persist
Ease of use
4
Users call it decent for score tracking
Feature depth
2
Basic monitoring plus debit card; rivals do more
Support quality
2
Reviewers report terrible customer service
Security posture
1
2025 breach; accountholders suing over protection
Pros
Cons
Gotchas
- high2025 data breach; accountholders sued claiming insufficient data protection⁵
- mediumHidden fees reported by reviewers despite the 'free' branding²
- mediumRevenue comes from recommending loans and cards, so expect upsells10
- mediumScore refreshes TransUnion only; your other bureau scores may look different
Best for
- People rebuilding credit on a budget
- Free TransUnion score checkers
- Users wanting credit tracking plus basic banking in one app
Not for
- Anyone who actually cares about data security
- Users needing all three bureaus or lender-grade scores
- Fee-averse users burned by upsells
- Anyone expecting responsive customer support
Pricing
Free
$0
- TransUnion score with regular refresh
- Free credit report summary
- Free accounts for credit tracking
Sesame Cash
$0
- Debit card
- No monthly service fees
- Debit-based credit building
Security
Confirmed 2025 data breach; accountholders suing; no security page found.
What users say
Polarized: some users find it a decent TransUnion tracker, but Trustpilot and WalletHub reviewers cite hidden fees, upsells, and poor support.
“They have shady business practices, hidden fees, and terrible customer”
“Think twice about using the Credit Sesame credit card/”
“Credit sesame is a decent option for getting a good idea of your Transunion c”
Alternatives
Compare Credit Sesame with each alternative.
Credit Karma
Free scores and monitoring from two bureaus, larger user base
Credit Sesame vs Credit KarmaAnnualCreditReport.com
Officially free reports from all three bureaus
Experian free monitoring
Guess: FICO scores straight from a bureau, free
Full analysis
Based on ~20 public sources: Trustpilot, WalletHub, ConsumerAffairs, Bloomberg Law, class action filings, and company pages.
Sources
- Credit Sesame Reviews - Trustpilottrustpilot.comreview
- Credit Sesame Reviews for 2026 - WalletHubwallethub.comreview
- Credit Sesame Reviews - ConsumerAffairsconsumeraffairs.comreview
- Credit Sesame Reviews? - Reddit r/CReditreddit.comreview
- Credit Sesame Sued By Accountholders Over Data Security Breach - Bloomberg Lawnews.bloomberglaw.comsecurity
security
- Credit Sesame Confirms Data Breach - ClaimDepotclaimdepot.comsecurity
- Credit Sesame - Official sitecreditsesame.comofficial
- How Credit Sesame Works and Makes Money - Investopediainvestopedia.comnews
- Hidden Costs of Credit Score Apps - Consumer Reportsconsumerreports.orgreview
- Credit Sesame Review 2026 - All About Cookiesallaboutcookies.orgreview
- Credit Sesame Company Profile - PitchBookpitchbook.comnews
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