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Updated July 2026 · real, multi-region App Store reviews
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Is it worth paying for

Credit Sesame

70
Value score / 100 Worth paying? Depends It depends

Credit Sesame is worth using for free credit monitoring and guidance, but recent reviews indicate potential issues with paid subscriptions and account termination.

Free to download seen up to $600 4.8★ lifetime (436,459) since 2011

Credit Sesame is generally praised for its free credit monitoring, educational content, and tools to help users improve their credit scores R3R6R13R25. However, some users report inaccuracies in credit scores and information, and there are significant complaints about unexpected charges after deactivating accounts and difficulty terminating subscriptions R4R9R19R33.

Free vs paid

The app offers free credit monitoring and updates, allowing users to track their scores, manage debt, and receive tips for improvement R2R3R6R8. While the app is listed as 'Free' with in-app purchases, recent reviews suggest a shift where some users were charged monthly fees after an update to a '2.0' version, despite initially signing up for a free service R33. There are also complaints about being charged after cancelling or deactivating accounts, implying that some features or services transition into paid subscriptions without clear consent or easy cancellation R46.

Value complaints

  • Users report being charged monthly fees after an update to a '2.0' version, despite initially signing up for a free service.R33
  • Some users claim they were charged after deactivating or cancelling their subscription.R46
  • There are complaints about being unable to terminate accounts, with the termination window not loading, leading to concerns about data security and ongoing charges.R28

Where it delivers

  • The app provides regular updates on credit reports and scores, helping users stay informed.R2R8R43R50
  • Many users find the app helpful for monitoring, managing, and building their credit, appreciating its educational value and tips.R3R6R13R25
  • It is considered user-friendly and easy to navigate, making credit tracking accessible.R7R22R29R32
  • The app offers tools like a 'Debt Snowball' calculator and a credit calendar to help manage debt and keep credit usage low.R24R45
Worth paying if

It might be worth paying if you find the specific paid features, such as more comprehensive bureau reporting or advanced debt management tools, genuinely valuable and you are confident in the app's billing and cancellation processes R45.

Skip / stay free if

You should skip paying if you are concerned about unexpected charges, difficulty deactivating your account, or if you find the credit score information inaccurate compared to other sources R4R9R19.

Evidence note: While the lifetime rating is very high, a significant number of recent negative reviews highlight critical issues related to billing, account termination, and data accuracy, which are not reflected in the overall average.

Frequently asked

Is Credit Sesame free to use?
Credit Sesame offers free credit monitoring and related services, but some users report being charged monthly fees after an update to a '2.0' version, despite initially signing up for a free service R33.
Is the credit score provided by Credit Sesame accurate?
Many users find the credit score and information provided by Credit Sesame to be accurate and helpful R39, but some report significant discrepancies compared to other sources, with scores being lower or information being incorrect R4R9R19.
Can I easily cancel my Credit Sesame account?
Some users report significant difficulty in terminating their accounts, with the termination window not loading, and others claim they were charged even after deactivating their subscription R28R46.

What reviewers actually said

Built only from these 50 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.

  1. [R33] 1/5 · US DO NOT USE! Scam and Rip-off: They are a rip off and a scam. Can use chime credit builder for no additional cost / fees. Whenever I initially signed up for the account there was no fee. They switched to the “2.0” version and began taking monthly fees. This was suppose to help my financial situation but instead they are just another predatory service enriching themselves off already poor and strug
  2. [R46] 1/5 · US Will charge you after deactivating: This app is the most confusing credit app I have seen. On top of that they will charge your account after you have deactivated and cancelled your subscription. Would not recommend!!
  3. [R28] 1/5 · US UNABLE TO DEACTIVATE: App is not allowing to terminate the account. I found nothing special or nothing new in this app, comparing to other apps. So I want to terminate. But they never let me do that. When I click on Terminate, the window never loads. All other windows load in one click. Looks like they want to keep stealing my info every day. Feeling unsafe. If you have any doubt in what I said, t
  4. [R2] 5/5 · US Great: Always keeps me updated on credit reports
  5. [R8] 5/5 · US Credit score: Credit sesame has keep me always updated with what going on with my credit score great way to go
  6. [R43] 5/5 · US Updates: I love getting daily notifications on what’s going on with my credit score. It’s nice to see I am improving to see my score rise up. Thank you
  7. [R50] 5/5 · US Sharon commented: I love how they regularly inform me of my score!!!
  8. [R3] 5/5 · US My Favorite Credit Monitoring App: This app is amazing. My favorite app for monitoring and managing and building my credit.
  9. [R6] 5/5 · US Credit repair: Tracking my score has become like a game to me! Seeing how high I can get it by paying off debt as quickly as possible!
  10. [R13] 5/5 · US Great company: This truly has been a saving grace for me to keep track of my spending my payments, my scores… Everything that has to do with my credit rating! It’s helped me be up close to 700 and then above! Truly grateful for their expertise and help and tips!
  11. [R25] 5/5 · US Thank you: In the world of credit that I know nothing about this app has proven to be super informative and helpful. It has given me full understanding now
  12. [R7] 5/5 · US Review: Easy to navigate app thank you for making the app great again!
  13. [R22] 5/5 · US Legit: It’s straight to the point.
  14. [R29] 4/5 · US Quick and easy: I was curious about my credit score. It shows you quickly about where you are
  15. [R32] 5/5 · US YESame!: Credit Sesame is Such an easy and understanding way to View credit. I Learn with the app and I’m just so very much please to be with Cr. Sesame I now call it Credit Yesame !
  16. [R24] 5/5 · US Ideal app: The credit calendar is ideal to keep usage low
  17. [R45] 5/5 · US Various Features/Easy to Use!: The “Debt Snowball” pay off tool is automatically updated with your balances each month, so it makes it easy to track your progress. It would be even better if included every debt on your credit report, cars mortgages, HELOC, loans, etc, not just your credit cards.
  18. [R4] 1/5 · US Wrong score: The app doesn’t even tell you the right score it keeps saying mine has gone down and I am using all my credit when In reality I am not
  19. [R9] 1/5 · US Incorrect info: I have 3 over limit cards, from 1-3 years ago. I paid them down right away. Incorrect info.
  20. [R19] 1/5 · US Not accurate: 2 cards from the same company, they only report 1 my Rico score is 90 points higher than this…
  21. [R39] 5/5 · US Credit Reporting: It has been very helpful having Credit Sesame helping me stay ahead of what’s happening in my credit reporting. When you are aware of your numbers and how they affect you, you can successfully manage your credit rating. Credit Sesame is not intrusive but helpful and I appreciate that very much. After realizing upon my husband‘s death, I had credit debt that I was not aware of it

Synthesized from 50 recent App Store reviews · updated July 2026 · View on the App Store