Credit Sesame: Build Score 4+

Manage and Track Your Credit

Credit Sesame, Inc.

Designed for iPad

    • 4.8 • 390.7K Ratings
    • Free
    • Offers In-App Purchases



Credit Sesame is a free credit score management app. We help you access, understand, and protect your credit all in one place.

With a free Credit Sesame account, you get your TransUnion credit score right away, with personalized actions you can take to build positive credit history. We analyze your credit profile to find the best offers for credit cards and loans based on your chances of approval, projected credit score improvement, and potential savings.

Whether you’re looking to improve your credit score or purchase a house, Credit Sesame can help you reach your financial goals faster.

Ready to improve your credit and financial health with Credit Sesame? Download our app and sign up to unlock:

• Free credit score & credit report summary:
Check your credit score and see what’s impacting it. Always know your TransUnion credit score with daily refreshes.

• Free Sesame Grade:
See a clear letter grade based on the 5 major factors that impact your credit score.

• Free credit alerts & credit monitoring:
Get notified about changes to your credit file and protect your score.

• Free credit tips:
Get personalized insights and actions that can help you improve your credit score and get the best rates.

• More borrowing power:
Get recommendations for credit products with higher approval odds. Browse the best credit card offers based on your credit profile. See your chances of approval and apply for a credit card quickly and easily!

• Save on mortgages, auto loans, and more:
Find better rates and refinancing options

• Credit Builder account:
Use debit to quickly build credit.¹ Start building credit when you use the Builder feature of your Sesame Cash prepaid debit card. Build payment history with everyday purchases. No credit check. Fees may apply.²

Join 17+ million members and start doing more with your credit score today!

For more information:

All Policies:
Customer Service:

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 secured line of credit with CFSB that is reported to the credit bureaus. Use money from your Sesame Cash account to create a secured line of credit (Secured Account). Your debit card purchases are then added up to create a balance on your Secured Account. As you make these purchases, an amount equal to the balance on your Secured Account is also set aside in your Sesame Cash account to ensure you can make timely payments to pay off the balance on your secured line of credit 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 Secured Account 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 Sesame Cash fees include a $9.99 monthly fee ("Monthly Fee") and a $3 monthly inactivity fee ("Inactivity Fee"). However, we may waive these fees as follows: To qualify for the waiver of the Monthly Fee, you must either deposit $500 into your Sesame Cash account through direct deposit or spend $1,000 each month with your Sesame Cash account. Spending can be satisfied either through point of sale transactions or by using your Sesame Cash card to pay your bills. To qualify for the waiver of the Inactivity Fee, there must be money movement or a purchase made with your Sesame Cash account at least once within a 30-day rolling period. As a courtesy, we will not charge you the Monthly Fee or the Inactivity Fee within the first 30 days of account opening. Review the Sesame Cash Cardholder Agreement for the full fee schedule and additional details. International and out-of-network cash withdrawal fees apply. Third-party and cash deposit fees may also apply.

What’s New

Version 7.2.2

Bug fixes

Ratings and Reviews

4.8 out of 5
390.7K Ratings

390.7K Ratings

Browneyed Raven ,

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.

tia house ,

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!!

Khriizj ,

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.

App Privacy

The developer, Credit Sesame, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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