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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Credit Sesame vs TransUnion®

Credit Sesame 4.8★ · Free to download 75
Winner Credit Sesame
TransUnion® 4.6★ · Free to download 20

Credit Sesame is the better choice for general credit monitoring and improvement tools, while TransUnion's app is currently plagued by severe login issues.

Full reviews: Credit Sesame · TransUnion®

Credit Sesame offers a range of credit monitoring and improvement features, though some advanced options are paywalled. TransUnion's app, despite its potential for direct credit bureau access, is largely unusable due to widespread login and technical problems.

Head to head

Features and Information edge: Credit SesameR6R15R26R32
Credit Sesame Credit Sesame provides a good overview of credit reports and balances, offering tools to track credit usage, monitor inquiries, and receive updates R15R26. Users appreciate tips for improving scores and suggestions for credit cards R32. Some advanced features like dispute filing or detailed account views are locked behind a paid subscription R6R41.
TransUnion® TransUnion's app is intended to allow users to monitor their information and protect their credit, with some users appreciating its straightforward layout and lack of unwanted subscriptions . However, many users report that the app is useless and missing data, not reflecting true or up-to-date credit history . Some users also note it primarily serves as an advertising tool for credit cards and loans .
Ease of Use and Reliability edge: Credit SesameR1R7R11R13
Credit Sesame Credit Sesame is generally described as easy to use and convenient by many users R54. However, a significant number of recent reviews highlight severe issues with signing in, app crashes, and updates rendering the app unusable R7R11R13. Some users also report discrepancies in credit scores compared to other sources R1.
TransUnion® The TransUnion app suffers from pervasive and critical login issues, with numerous users reporting they cannot sign in, even with correct credentials that work on the website R63R67R71. Customer service has reportedly confirmed the app is broken or no longer supported .
Price and Value edge: Credit SesameR6R9R10R12
Credit Sesame Credit Sesame is free to download and offers many features for free, which users appreciate . However, there are frequent complaints about features being paywalled, misleading 'free trials' that require immediate payment, and unexpected charges after cancellation R6R9R10R12. Some paid users also report the app crashing after upgrading .
TransUnion® TransUnion is free to download, and some users appreciate that it doesn't push unwanted subscriptions . However, the app's fundamental login issues make it effectively worthless for both free and potentially paid users, severely diminishing its value R63R67R71R79. Some users also report being unable to create an account at all .
Customer Support edge: Credit SesameR1R21R54R55
Credit Sesame Credit Sesame users report difficulty contacting support for issues like credit score discrepancies, password resets, or refund requests, often receiving no follow-up R1R21R54. There are also reports of refunds being promised but not delivered R55.
TransUnion® TransUnion's app users find customer support non-existent or unhelpful for app-related issues . Some users were advised by customer service that the app is no longer supported .
Pick Credit Sesame if

You want a free app to monitor your credit score, track credit usage, and receive tips for improvement, and you are willing to navigate potential paywalls for advanced features or occasional app glitches R15.

Pick TransUnion® if

You need to directly freeze or unfreeze your TransUnion credit, as this appears to be one of the few functionalities that might still work for some users, despite widespread login issues .

Evidence note: The evidence for TransUnion is heavily skewed towards negative reviews regarding login functionality, making it difficult to assess other aspects of the app's performance or features from user experiences.

Frequently asked

Can I file a credit dispute for free with Credit Sesame?
No, Credit Sesame users report that filing a dispute requires upgrading to a paid option, which many find unfair R6R41.
Does the TransUnion app allow me to log in?
The TransUnion app has widespread, critical login issues, with many users reporting they cannot sign in even with correct credentials that work on the website R63R67R71R79.
Is Credit Sesame's free trial truly free?
Many Credit Sesame users report that the 'free trial' is misleading, as it often requires payment to access advertised features or only provides limited access to one credit bureau report, forcing users to pay immediately for full access R9R31R59.

What reviewers actually said

Built only from these 120 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. [R6] Credit Sesame 3/5 · US 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 !
  2. [R15] Credit Sesame 3/5 · US Great App: Love this app easy way to stay on track with credit score credit inquiries etc notify you of any use of credit usage as well . EJG
  3. [R26] Credit Sesame 5/5 · US Love Credit Sesame!: I literally check my credit daily and it’s also nice to get the updates!! Thank you for your service.
  4. [R32] Credit Sesame 5/5 · US Wow!: Credit Sesame is a helpful tool to keep up with your credit score and work on improving it if needed and how to do it. It’s helped me a lot!
  5. [R1] Credit Sesame 2/5 · US 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???
  6. [R7] Credit Sesame 2/5 · US Unable to sign in: App doesn’t allow me to sign in the majority of the time I try to access it
  7. [R11] Credit Sesame 5/5 · US 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!!!
  8. [R13] Credit Sesame 2/5 · US Was great until update: Then stopped working! Gah!!!
  9. [R9] Credit Sesame 3/5 · US 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
  10. [R10] Credit Sesame 1/5 · US Why you stole my money: I will appreciate if you put my money back I canceled the app
  11. [R12] Credit Sesame 3/5 · US 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
  12. [R21] Credit Sesame 1/5 · US Impossible to contact: Be aware- if you need to contact them to reset your password, you won't be able to. Save yourself the time & trouble, it's a dead-end road.
  13. [R54] Credit Sesame 5/5 · US Credit Sesame:Grow Your Score: Easy To Use,Lots Of Valuable Information.
  14. [R55] Credit Sesame 1/5 · US Lies about giving refunds: Initially I got the premium membership on October 3rd and paid the $20.99 , Then came here to read reviews and decided against it.. I then messaged them and asked for a refund, they then told me they refunded it and downgraded me to a free account. I waited a few days , gave them a few extra. Then it came to October 12 I realized the money hadn’t come back. I messaged
  15. [R41] Credit Sesame 1/5 · US Extortion to dispute: You need to pay a membership fee to report a dispute. They are trying to extort people into paying for a membership. They will leave charges on your report that say $0 and it’s an eye sore they’re extorting people into paying to get rid of. Contact the credit company directly instead, if that fails, then use a trial to dispute the charge(s) and cancel the subscription before
  16. [R63] TransUnion® 1/5 · US 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.
  17. [R67] TransUnion® 1/5 · US Cannot log in: I can NEVER log in on the app. I can only log in on the website. It makes no sense!!
  18. [R71] TransUnion® 1/5 · US Doesn’t work: Type in my username/password but always says incorrect even though on the computer it logs me in with those credentials
  19. [R79] TransUnion® 1/5 · US Never works: Cant log in, says wrong password or user id… Rather dumb since it’s the same credentials i use to log in via web… whatever..
  20. [R31] Credit Sesame 1/5 · US 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
  21. [R59] Credit Sesame 1/5 · US Free trial scam: The free subscription is misleading. It doesn’t actually provide access to all three credit reports, just one. If you want to see the other two, you’re forced to skip the so-called 7-day free trial and pay immediately. The free version changes nothing and offers no real benefits. Feels like smoke and mirrors, borderline scam.”

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store