Credit Sesame alternatives
Credit Sesame users often seek alternatives due to persistent app issues, inaccurate credit scores, and unexpected charges or paywalls for features advertised as free. Alternatives address these concerns by offering more reliable credit monitoring, transparent pricing, or focused credit-building tools.
Why users look for alternatives to Credit Sesame
- Users report frequent app malfunctions, including inability to sign in, crashes, and issues with pin keypads or sending verification codes.R7R11R13R14
- Many users find the credit scores provided by Credit Sesame to be inaccurate, sometimes significantly lower than scores from banks or other services.R1R16
- There are complaints about features advertised as free requiring payment, such as filing disputes or accessing full credit reports, leading to frustration and perceived unfairness.R6R9R12R30
- Users report being charged unexpectedly or after canceling subscriptions, with difficulties getting refunds or stopping charges.R10R18R38R44
- Some users feel the app is primarily an advertising tool for bad consumer debt or other products, rather than a helpful credit management service.R26R32R36
The alternatives
Intuit Credit Karma is mentioned by Credit Sesame users as an alternative for filing disputes without charge R6.
Better for: Users who want to file credit report disputes without paying for a premium membership R6.
Head-to-head: Credit Sesame vs Intuit Credit KarmaSelf is a credit-building app that some Kikoff users recommend as an alternative, implying it offers a better or less scammy experience for building credit R51.
Better for: Individuals specifically looking for a credit-building service, especially those who have had negative experiences with other credit-building apps R51.
Head-to-head: Credit Sesame vs SelfKikoff is a credit-building app that users report can significantly raise credit scores quickly, with some seeing increases from 605 to almost 700 in three months . It also helps with removing data breaches . Some users pay a $35 a month plan for access to all three credit bureaus and debt negotiation tools R52. However, some users report issues with unexpected upgrades, misleading advertisements, and negative impacts on credit if accounts are closed R51R53R55.
Better for: People committed to actively building their credit score who are willing to pay for a service that reports to credit bureaus, and who are careful about understanding the terms and avoiding unexpected charges R52.
Head-to-head: Credit Sesame vs KikoffTransUnion® provides credit information and reports directly from one of the three major credit bureaus R68. Users appreciate its free access to credit information R66. However, the app frequently has login issues and is reported as broken or useless by many, often requiring users to access their information via a browser instead R65R67.
Better for: Users who want direct access to their TransUnion credit report and score, and are comfortable using the website if the app is unreliable R66R68. It may also suit those who prioritize immediate fraud lockouts, despite the inconvenience of frequent resets .
Head-to-head: Credit Sesame vs TransUnion®Sesame Street Games Club is an educational app designed for young children, offering games that are good for little ones R80R81. However, users frequently report issues with missing audio, the app crashing, and needing to pay for most content despite advertisements suggesting it's free or after making purchases R79R82.
Better for: Parents or guardians looking for educational content for toddlers and young children, provided they are aware of potential in-app purchase requirements and technical issues R80R81.
Head-to-head: Credit Sesame vs Sesame Street Games ClubYou find the card reporting calendar feature useful for managing credit utilization and due dates, and you are satisfied with the accuracy and reliability of the app's free features .
Evidence note: Intuit Credit Karma has limited direct reviews in the provided set, with only one reference from a Credit Sesame user.
Frequently asked
Is Credit Sesame free to use?
Does Credit Sesame provide accurate credit scores?
What reviewers actually said
Built only from these 92 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.
- [R7] Credit Sesame Unable to sign in: App doesn’t allow me to sign in the majority of the time I try to access it
- [R11] Credit Sesame Terrible App: This app never works and always locks you out even when using the correct credentials. It won’t recognize when you use your correct email and phone number. Consumers Beware!!!
- [R13] Credit Sesame Was great until update: Then stopped working! Gah!!!
- [R14] Credit Sesame Update: The app says I need to update can’t find where to do that anywhere.
- [R1] Credit Sesame Credit score change: I have tried several times to correct this credit score discrepancy. No one follows up or calls back or texts. This score went from 812 to 680 and is not changing. Can’t someone find the time to contact me???
- [R16] Credit Sesame Not accurate!: While this app does offer a great rundown of everything on your credit report and their balances, it does NOT provide an accurate score. In fact - my score on Credit Sesame was 92 pounds LOWER than what my bank pulled and the Experian app showed! It’s not a great tool for tracking scores so don’t depend on this app to get your most accurate credit rating.
- [R6] Credit Sesame Luv6500: I have had this app for a long time , I did not know you can’t file a dispute unless I upgrade to pay for this option on the app , I have Experian and kredit Carma they let me file a dispute an was not charge do not have to pay for this option , which I believe is very unfair! It makes me want to uninstall this app !
- [R9] Credit Sesame Free Trial isn’t a free trial at all: I like the free limited app, and would have considered purchasing the full service app after checking out the 7 day free trial, except you’re unable to actually try any of the features bc soon as you attempt to use them, you get a prompt to end your free trial and pay for the full app before you can use any of the features. Isn’t that the entire point of a fre
- [R12] Credit Sesame Honesty: I only say 3 stars cause in big print you make promises by the way you advertise your services then way on another portion find just for a consumer to enjoy the perks of what was advertised in big print is complete nonsense.. if your going to offer something stick to it a lot of consumers can’t afford the services although your services help a certain group wouldn’t it still be financiall
- [R30] Credit Sesame Liars. Don’t do free trial people!: Complete advertising fraud. Went to site and it said get all 3 credit scores now, start free trial so I did. Then it said other 2 credit bureaus are not included in free trial. Couldn’t even open full report of the one they do provide. All they want is money money and more money on everything you try to view. I’m sure they make money on the people that forget to
- [R10] Credit Sesame Why you stole my money: I will appreciate if you put my money back I canceled the app
- [R18] Credit Sesame Stop changing me: You keep charging me and I’m not liking it!
- [R38] Credit Sesame Tried to charge for free trial: They tried to charge me $15 for a three day free trial
- [R44] Credit Sesame App crashed after purchase??? Really?: Made a purchase then app crashes and won’t let me log in. Charged me 20 bucks for that? Had to go through the web and immediately cancelled my subscription as it’s too expensive anyway. Now I’m skeptical if my subscription really has been cancelled. Theft by algorithms? They make a killing while I go broke and that’s not good for my credit or mental health.
- [R26] Credit Sesame Advertising Tool, Nothing else: Worthless app that does nothing but spam you with things you can already get from your TransUnion Member account. Just a platform used to push bad consumer debt
- [R32] Credit Sesame Bad advice: I’m tired of you promoting me to increase my credit usage while I am under bankruptcy. If being good at credit is your application then you should understand that’s impossible.
- [R36] Credit Sesame Credit one: markets its cards as a way to build or improve credit, but the offer is not worth the cost or limitations. • High fees and interest rates: Annual fees and APR are significantly higher than comparable credit-builder cards. • Low value benefits: Rewards and features are minimal and not competitive. • Limited credit improvement: Even with responsible use, the impact on my credit score
- [R51] Kikoff Terrible Scamful App: App forced me into upgrading even I avoided confirming it on the screen. Customer service didn't allow me to downgrade without paying the forced upgrade charge. Just use their competitor Self, unless you want your account upgraded without consent.
- [R52] Kikoff Amazing Credit Building App: I honestly love this app I’m paying the $35 a month plan to get access to all three credit bureaus. It also has helped me to negotiate my debt, soon my credit score should rise. Thanks Kikoff for everything!
- [R53] Kikoff Misleading adds: I downloaded it thinking it was for a loan because that’s what the adds would lead you to believe. Although that is an option, you have to pay a fee to even use the app. It offered me a very small loan around $100 in a year if I made payments on time before I actually received any services! It’s a scam 💯
- [R55] Kikoff DO NOT USE: If you have poor credit, DO NOT USE THIS APP. If you at any point decide you want to stop using it will show up on your credit report as closed and negatively affect your score. My score went down over one hundred points using this app. Now I’m in worse luck than I was. It’s a scam DO NOT waste your money.
- [R65] TransUnion® How about some longevity?: What a waste to have to download so frequently. Minor updates as listed in the changelog, make the application completely disfunctional.
- [R66] TransUnion® Works great: Great app free to use!
- [R67] TransUnion® Completely Broken: I give this app zero stars. It has never, ever worked for me. I can login just fine via a browser. But the app, it fails every time. Please scrap this and provide an app which works.
- [R68] TransUnion® New Look !!: The Credit Nfo this Month is NEW & Different from the last time I checked my score. I like it, and I appreciate it. :)
- [R79] Sesame Street Games Club No audio: There’s no audio on this app or another app by the same developer.
- [R80] Sesame Street Games Club Best: Educational
- [R81] Sesame Street Games Club Grandma Tia: I need institutional for a 4 year old, Thank you
- [R82] Sesame Street Games Club Couldn’t play anything without paying: We tried a couple options that showed they were unlocked before buying the subscription, but it just kept taking us to a signup page.
Synthesized from 92 recent App Store reviews · updated July 2026 · View on the App Store