Credit Sesame: Build Credit

Contains adsIn-app purchases
128K reviews
Content rating
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About this app

Get your free credit score and credit report summary. Start building credit instantly with free credit tips and insights. See personalized loan and credit card offers and know your credit card acceptance odds before you apply. Enjoy zero-fee banking and sign-up for our credit builder account to achieve a higher credit score and improve your financial health.*

Credit Sesame is a free credit score app for all your financial needs. Take a few simple steps, and our credit management app helps get you on a path to a better credit score, a secured credit card, a lower-interest-rate auto or personal loan, or even a new house. Now with zero-fee banking and credit builder to help you save more money and build your credit history.*
Improve your credit and financial health with Credit Sesame:
• 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 Credit Alerts & Credit Monitoring Services: Get notified about changes to your credit file, so you can spot potential errors and protect your score.
• Free Credit Tips: Get personalized financial insights and action plans that can help you improve your credit score and get the best rates to save you money and grow credit.
• More Borrowing Power: Get recommendations for credit cards with higher approval odds, including home, auto, and personal loans. Easily browse best credit card offers based on your credit profile, including, cash-back cards and credit builder cards. Know your credit acceptance odds and apply for a credit card quickly and easily!
• Home, Auto savings and more: Homeowners get better mortgage rates and refinancing options, including debt consolidation loans. Find a lower-interest auto loan based on your credit file and check your loan eligibility.
• Credit builder account: Use debit to quickly build credit*. Start building credit when you use the builder feature of your prepaid Sesame Cash debit card. Build payment history and improve your credit health on everyday purchases. . 100% free. No credit check.*

Join more than 17 million members, get financial help with free credit advice and boost your credit score!

For more information:
- Terms of Use:
- Privacy Policy:
Please contact customer service if you encounter any problems:

*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.
Updated on
Mar 17, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 2 others
Data is encrypted in transit
Data can’t be deleted
128K reviews
Amanda Augustine
February 14, 2023
so I do like this app and it has helped me build my credit, however it is not as budget-friendly as some similar apps out there that offer the same service. it's also very delayed as far as transferring money from a bank account onto the card which is very frustrating it takes weeks sometimes for my money to be added to the card from my bank account that is linked. Overall though I would recommend it as an additional means of improving your credit.
92 people found this review helpful
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Lynette Carothers
January 5, 2023
Exactly what everyone should have to stay on top of your credit. The changes are immediately reported to you by text link. I recommend this app to all to be able to act immediately if there is a sudden change. This is for all credit scores. If you are repairing, building or monitoring your score. This app immediately tells you what has changed. 5+ stars, because you can choose the free option. Great product. You don't get your FICO for free, but the score change monitors are a heads up. .
235 people found this review helpful
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Lauren. J Burkett
December 8, 2022
Credit Sesame is helpful at keeping track of your credit score for free. It also gives you advice on how to get that score up really quick. Like 50 points in 1 day(that's not typical but is definitely possible). I love that this app gives you lots of options as well as shows you examples regarding what would probably happen to your score should you miss a payment or 2 as well as if you made a few extra payments on a bill.Very Helpful.
330 people found this review helpful
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What's new

We are always making improvements to Credit Sesame. To make sure you can access the latest analysis and alerts about your credit score, keep your Updates turned on!