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My Honest Credit Sesame Review

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In this honest Credit Sesame review I’ll explain how to sign up for this free credit monitoring service, why it is safe, and how Credit Sesame can help you achieve your financial goals.

One of my goals for this year is to pay down some lingering credit card debt. Since the average US household has over $15,000 in credit card debt, I’m likely not alone in wanting to pay off some debt.

Read on to learn how Credit Sesame can help you track and pay down that debt!

Credit Sesame Review: How Can It Help Me?

Credit Sesame app


Credit Sesame is like an assistant who keeps track of your credit score and debt for you.

In regards to monitoring your credit score, you can:

  • See your current credit score
  • Monitor changes to your credit score
  • Get notifications when something changes in your credit report

Credit card balances bar graphIn addition to your credit score, you can also use Credit Sesame to monitor your consumer debt. You can:

  • See all of your credit card balances in one place
  • Get a financial debt analysis
  • Track your debt balance over time

I’m using Credit Sesame to track my progress towards meeting my goal of paying off all of my credit card debt by 2020. I can see my total credit card debt in one place (it is currently $5,172) and see a graph of how the balance is changing over time.

Is Credit Sesame Safe?

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I can honestly say that Credit Sesame is totally safe to use and is definitely legit. 

One thing I really like about Credit Sesame is that you never have to provide a credit card number or your full social security number to use any of the features. 

Credit Sesame also uses bank-level security practices, encryption, and firewalls to keep your information safe. I don’t feel like I am taking any risk when using this service.

Does Credit Sesame Hurt Your Credit Score? 

This answer is easy. No, Credit Sesame does not affect your credit score in any way.

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When you sign up with Credit Sesame you provide the last four digits of your social security number. Credit Sesame uses this to do what’s called a “soft pull” of your credit report. This in no way affects your credit score.

Is Credit Sesame Really Free?

There’s no trial period and no catch to using Credit Sesame. You never provide a credit card number to use this service, so there’s no way they can charge you anything.

The company makes money if you sign up for a new credit card or loan through their site. But all of the services they provide are 100% free to you.

Is Credit Sesame Good To Use?

Credit Sesame Credit Score

If you want a free way to monitor your credit and track your credit card debt, then definitely!

Since I can see the balance on all of my credit card accounts on one page, I can make a plan for which to pay off first.

You’ll get email notifications when something changes on your credit report, such as a new account being opened or paying off the balance on a card. This gives me peace of mind that nothing is happening to my credit that I don’t know about.

And if you want to be able to see your full credit report from all three bureaus each month, you can upgrade to a premium plan starting at $9.95 per month. Since I have locked my credit I personally don’t need this service.

Is Credit Sesame A Legit Site?

I think at this point in my Credit Sesame review you probably already know my answer. Yes, Credit Sesame is a completely legit site. 

They run a business providing a valuable service (credit and debt monitoring) while making money whenever anyone signs up for a new credit card or loan through their site. 

They take the utmost precautions with your information because their business is on the line if they mess up!

Credit Sesame Review: How Can I Sign Up?

Click this link (or any link on this page) to sign up for Credit Sesame.

You’ll just be asked for some basic information and the last four digits of your social security number. After you sign up you can download their app or use their site to monitor your credit score and credit card balances.

I hope my honest Credit sesame review was helpful to you.

I recommend without hesitation using Credit Sesame to monitor your credit score and debt balances.

Knowing where you stand now and monitoring your progress are huge steps towards achieving your financial goals, and Credit Sesame can help with both!

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Friday 26th of May 2023

WARNING: Credit Sesame is the WORST credit builder company in existence. In sum, they care more about their PROFITS than actually helping people build their credit. Here's why:

So I was in financial ruin (owed too much credit card debt, thousands in medical bills, multiple lawsuits, and eventually becoming bankrupt) so I needed to get back on my feet and fix my financial life.

I thought the Credit Sesame Cash card was the perfect card for me in order to get me back up and improve my credit score because it was affordable (free to apply and no annual or monthly fees), it didn't require good credit score in order to get accepted, and, most importantly, help build your credit by providing you with the credit line you need in order to use it (which helps build your credit history), pay it back on time (which helps build your trustworthiness and financial responsibility), slowly increase your credit limit (which increases your credit score), and last but not least grow your credit age by keeping your credit account OPEN.

Unfortunately, last week (5/19/23), after growing my credit for almost two years, Credit Sesame sent me this email:

As a valued Sesame Cash account holder, we want to give you advance notice of new account fees* effective June 15, 2023 or after.

The new fee structure is designed to ensure active users can still enjoy free banking services. Account holders who make a direct deposit of at least $500 or spend more than $1,000 during each monthly billing period continue to benefit from no monthly or inactivity fees.

Account holders making a direct deposit under $500 or spending under $1,000 during each monthly billing period are charged a monthly fee of $9.99.

Account holders with no money movement in or out of their accounts pay the monthly fee plus $3.00 for every 30 days of inactivity.

Thank you for being a loyal supporter of Sesame Cash. We look forward to sharing new features and benefits with you in the near future.

By continuing to utilize the services, you agree to the Sesame Cash Terms of Service and Sesame Cash Cardholder Agreement. If you do not wish to accept, you may choose to close your account.

Was that a bait and switch move? Bait me with free credit builder accounts and then, a few years later, switch it with the same accounts but with monthly fees and other rules to get your money. And if I don't accept, I should close my account, which holds my whole credit history since its the only credit card I have.

Consequently, You know what happens when you close your credit card account? Your credit score goes way down and you need to start your credit history all over again from scratch. This company doesn't care about your credit score and just wants to make extra money. Now it is going to take me two years to get back where left at. You know how hard it is to buy a home? To get a mortgage? To raise your credit to excellent in order to actually afford the mortgage?

They could have at least applied the new rule to NEW customers instead of the current ones since we didn't agree to monthly fees (I would have chosen another credit builder if that was the case). Unfortunately, due to Credit Sesame's greed and immoral business tactics, I need to close my account and toss my two-year credit history in the trash with it.

That is how Credit Sesame treats their valued customers. Valued indeed.

Sarah Landon

Thursday 8th of August 2019

Hello, I would like to share my testimony here Financewebservice @ gmail.. com raised my credit score immensely and I could not have had 850 score without the help of their experts. I’m very grateful and would recommend them to anyone! They also clear credit card debts, remove bankruptcy, student loans. Tell them I referred you

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Friday 28th of December 2018

[…] Credit Sesame – I use this free service to monitor my credit score and my debt payoff progress. Read my full review here.  […]

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