Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

TransUnion® vs Credit Sesame

TransUnion® 4.6★ · Free to download 30
Winner Credit Sesame
Credit Sesame 4.8★ · Free to download 70

Credit Sesame is the better choice for credit monitoring and improvement, offering a more functional app experience and a wider range of features, despite some issues with its paid tiers and accuracy.

Full reviews: TransUnion® · Credit Sesame

TransUnion's app is plagued by severe login issues and appears to be poorly maintained, making it largely unusable for many users. Credit Sesame, while having some complaints about paid features and accuracy, generally provides a functional app for credit monitoring and offers tools for improvement.

Head to head

Features edge: Credit SesameR4R5R10R12
TransUnion® TransUnion's app provides credit information, allows users to monitor their data, and some appreciate its simple layout R4R10R12. However, users report missing data, an inability to add credit information, and that the data can be months behind R18. Some also find the app useless for freezing accounts or editing information R5.
Credit Sesame Credit Sesame offers credit score tracking, alerts for credit usage, and tips for improving scores . Users appreciate features like the card reporting calendar and the ability to view credit offers before applying . However, some users report that the app's credit score is not always accurate, sometimes significantly lower than other sources R76. There are also complaints that basic features like filing disputes are locked behind paid upgrades R66.
Ease of Use edge: Credit SesameR3R7R11R12
TransUnion® Many TransUnion users describe the app as simple, easy, and straight-to-the-point R12. However, the overwhelming majority of recent reviews indicate severe usability issues, primarily with logging in R3R7R11R13. Users frequently report being unable to log in to the app despite being able to access their accounts on the website with the same credentials R3R7R11R13. Some also experience issues with security codes not being sent or the app getting stuck in a login loop .
Credit Sesame Credit Sesame is generally described as easy to use and convenient . Users appreciate its straightforward interface for checking credit daily and receiving updates . However, some users report login issues, including the app not recognizing credentials, locking them out, or not sending security codes . There are also reports of the app crashing after updates or purchases .
Reliability edge: Credit SesameR1R3R19R38
TransUnion® TransUnion's app is widely reported as unreliable, with numerous users stating it "never works" R3R19 or is "completely broken" R3. Many reviews indicate that the app is disfunctional after minor updates R1 or simply won't open . Customer service has reportedly confirmed the app is broken and no longer supported for login R38.
Credit Sesame Credit Sesame generally functions for many users, providing consistent updates and information . However, there are reports of the app stopping working after updates or becoming unusable . Some users experience crashes, especially after purchasing premium features .
Price/Value edge: TransUnion®R2R12R18R66
TransUnion® TransUnion is free to download and some users appreciate that it's free to use R2. One user noted it "does not pile-up on you unwanted, self-generating-income subscriptions and additional paid services" R12. However, some users feel the app is useless and merely a way for TransUnion to advertise credit cards and loans R18.
Credit Sesame Credit Sesame is free to download and offers a free tier that many users appreciate . However, there are significant complaints about deceptive free trials and hidden costs. Users report that the "free trial" often doesn't provide access to advertised features like all three credit scores without immediate payment R69R90R91R119. Essential features like filing disputes are locked behind paid memberships R66. Some users feel it's an "advertising tool" that pushes bad debt . There are also reports of unauthorized charges and difficulty canceling subscriptions or getting refunds .
Support tieR5R21R24R38
TransUnion® TransUnion users report that support is "non existent" R24 or that they only get a "stupid chatbot and not a real person" R5. Some users were advised by customer service that the app is no longer supported for login R21R38. There are also complaints about being unable to contact support to resolve issues .
Credit Sesame Credit Sesame users report difficulty contacting support, especially for password resets . Some users have had issues with follow-up on credit score discrepancies and getting refunds after canceling subscriptions .
Pick TransUnion® if

You primarily need to monitor your TransUnion credit information and are willing to use the website for login and other functionalities, as the app is largely non-functional for many R3R7R11R24.

Pick Credit Sesame if

You want a generally functional app to track your credit score, receive alerts, and get tips for improvement, even if some advanced features require payment and you might encounter occasional app glitches .

Evidence note: The evidence for TransUnion® is heavily skewed towards negative reviews, particularly regarding login issues, making it challenging to assess other dimensions fairly. The free vs. paid asymmetry is notable for Credit Sesame, where many negative reviews stem from friction with its paid tiers or misleading free trial claims.

Frequently asked

Why can't I log in to the TransUnion® app?
Many users report being unable to log in to the TransUnion® app, even with correct credentials that work on the website R3R7R11R13. Customer service has reportedly confirmed the app is broken and no longer supported for login R21R38.
Is Credit Sesame's free trial truly free?
No, many users report that Credit Sesame's "free trial" is misleading, as it often requires immediate payment to access advertised features like all three credit scores, effectively bypassing the trial period R69R90R91R119.
Does Credit Sesame offer accurate credit scores?
While Credit Sesame provides a rundown of credit report details, some users report that its credit score is not always accurate, with discrepancies of up to 92 points lower than scores from banks or Experian R76.

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. [R4] TransUnion® 5/5 · US 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. :)
  2. [R5] TransUnion® 1/5 · US This app is useless: I don’t know where some of these reviews come from, but an app does now allow you to freeze your account or makes you jump through too many hoops is useless. Also, doesn’t accept my username or password. The app doesn’t allow me to edit information. Has my annual income wrong, and states I rent my house. In addition, an only get a stupid chatbot and not a real person. TransUn
  3. [R10] TransUnion® 5/5 · US Credit report: Thank you, Trans Union
  4. [R12] TransUnion® 5/5 · US A Must-Have: This app is important to easily monitor your information and protect your credit. Simple, easy and straight-to-the-point layout. Does not pile-up on you unwanted, self-generating-income subscriptions and additional paid services, as opposed to what the Experian app does.
  5. [R3] 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.
  6. [R7] 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!!
  7. [R11] 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
  8. [R1] TransUnion® 1/5 · US 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.
  9. [R19] 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..
  10. [R38] TransUnion® 1/5 · US App is Broken: The app will not allow you to sign in. Customer service verified it is broken and did not provide a timeline for a fix. Not very helpful.
  11. [R2] TransUnion® 5/5 · US Works great: Great app free to use!
  12. [R18] TransUnion® 1/5 · US Useless and missing data: No way to add missing credit information. The data is months behind, not reflecting a true credit history and not up to date. This app is just a way for them to advertise new credit cards and loans to you.
  13. [R66] 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 !
  14. [R21] TransUnion® 1/5 · US App apparently no longer supported.: Called CS who literally advised me you can no longer login via the app.
  15. [R24] TransUnion® 1/5 · US Cannot access app: In agreement with another review where app is not accessible despite being able to access the account on a browser with the same login credentials. Support for TransUnion is non existent.
  16. [R13] TransUnion® 1/5 · US if it’s TU, it’s broken: how good can the app be if it doesn’t allow something as basic as logging in? it works on web, but the app says login error every time. credit bureaus shouldn’t exist to begin with, but transunion is the worst of the three by a country mile
  17. [R69] 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
  18. [R90] Credit Sesame 5/5 · US Awesome: Wonderful
  19. [R91] 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
  20. [R119] 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.”
  21. [R76] Credit Sesame 2/5 · US 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.

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