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Credit Sesame Review

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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! - creditsesame.com

· 1 month ago

Only worth it if you want a free, TransUnion-only score snapshot and accept the 2025 data breach risk. Most people get more from Credit Karma or AnnualCreditReport.com without the hidden-fee complaints.

Confidence

Medium. Based on ~20 public sources: Trustpilot, WalletHub, ConsumerAffairs, Bloomberg Law, class action filings, and company pages.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support quality
  • Security posture

Pricing

$0

Free

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes
Sesame Cash$0

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

Gotchas - check before you buy

high

2025 data breach; accountholders sued claiming insufficient data protection

medium

Hidden fees reported by reviewers despite the 'free' branding

medium

Revenue comes from recommending loans and cards, so expect upsells

medium

Score refreshes TransUnion only; your other bureau scores may look different

Pros and cons

Pros

  • Free TransUnion score with regular refresh
  • Sesame Cash debit card has no monthly service fees
  • Investopedia reports it does not sell user data
  • Free accounts let anyone track their credit

Cons

  • Reviewers allege shady practices, hidden fees, terrible support
  • 2025 data breach; accountholders are suing
  • Review site concludes it's not worth it versus alternatives
  • Trustpilot reviewers warn against its credit card
  • Tracks TransUnion only; other bureaus will differ

Sources & method

- 12 sources - Confirmed 2025 data breach; accountholders suing; no security page found.

official x1review x6security x3news x2
  • April 2025 data breach, Company notified customers of a breach; class action attorneys are investigating.
  • Accountholder lawsuit, Sued by accountholders alleging it insufficiently protected client information.

Key stats

  • Value for money: 3/5

    Rating

  • $0

    Starting price

  • 12

    Sources

  • Analyzed

  • Value for money: 3/5. Core is free, but hidden-fee complaints persist
  • Ease of use: 4/5. Users call it decent for score tracking
  • Feature depth: 2/5. Basic monitoring plus debit card; rivals do more
  • Support quality: 2/5. Reviewers report terrible customer service
  • Security posture: 1/5. 2025 breach; accountholders suing over protection
  • 2,112 Trustpilot reviews mixed-to-negative tone
  • $291M+ Total funding 12 rounds; IPO rumored
  • Yes Free tier TransUnion score + report summary
  • ~500K/mo New members company claim, 2020

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.

  • April 2025 data breachCompany notified customers of a breach; class action attorneys are investigating.⁶
  • Accountholder lawsuitSued by accountholders alleging it insufficiently protected client information.⁵

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”
WalletHub user review
“Think twice about using the Credit Sesame credit card/”
Trustpilot review
“Credit sesame is a decent option for getting a good idea of your Transunion c”
ConsumerAffairs review

Alternatives

Compare Credit Sesame with each alternative.

  • Credit Karma

    Free scores and monitoring from two bureaus, larger user base

    Credit Sesame vs Credit Karma

  • AnnualCreditReport.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.

Free TransUnion score tracker undercut by a 2025 data breach, hidden-fee complaints, and reviewers preferring rivals.

Methodology

Based on ~20 public sources: Trustpilot, WalletHub, ConsumerAffairs, Bloomberg Law, class action filings, and company pages.

Read how a report is made.

Sources

  1. Credit Sesame Reviews - Trustpilottrustpilot.com
    review
  2. Credit Sesame Reviews for 2026 - WalletHubwallethub.com
    review
  3. Credit Sesame Reviews - ConsumerAffairsconsumeraffairs.com
    review
  4. Credit Sesame Reviews? - Reddit r/CReditreddit.com
    review
  5. Credit Sesame Sued By Accountholders Over Data Security Breach - Bloomberg Lawnews.bloomberglaw.com
    security
  6. Credit Sesame Data Breach Lawsuit Investigation - ClassAction.orgclassaction.org
    security
  7. Credit Sesame Confirms Data Breach - ClaimDepotclaimdepot.com
    security
  8. Credit Sesame - Official sitecreditsesame.com
    official
  9. How Credit Sesame Works and Makes Money - Investopediainvestopedia.com
    news
  10. Hidden Costs of Credit Score Apps - Consumer Reportsconsumerreports.org
    review
  11. Credit Sesame Review 2026 - All About Cookiesallaboutcookies.org
    review
  12. Credit Sesame Company Profile - PitchBookpitchbook.com
    news

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