Credit Sesame: Build Score icon

Credit Sesame: Build Score

Credit Sesame, Inc.
4.8 out of 5

About Credit Sesame: Build Score

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

The all-new Sesame Ring makes understanding and managing your credit easy as ABC. Free with a Credit Sesame account, it provides your TransUnion credit score and Sesame Grade in one complete picture. Your Sesame Grade is a clear letter grade based on the major factors that make up your credit score. With Sesame Ring, you'll always know where you need to focus and exactly what actions to take next.

Whether you’re looking to improve your credit score or purchase a house, Credit Sesame can help you reach your next financial goal 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: Check your Sesame Grade daily and get a more complete picture of your credit health
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!
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

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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.

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