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FREE Credit Score
Easily check your credit score for free!
Discover tips to improve your credit, tools for building credit, and personalized credit offers.
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Do more with Credit Sesame
Check your score
for FREE.
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No trials.
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At Credit Sesame, we believe that better credit changes everything. We also believe checking your credit score should be FREE. Over the last decade, we’ve helped millions of people see their score, improve their credit, and reach their financial goals. Now it’s your turn! We’ll take a look at your credit score, credit history, and current debt to show you ways to save money on loans, credit cards, and your home mortgage. All 100% free.
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What Makes Up Your Credit Score?
What can hurt your
credit score
What can help your
credit score
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people doing more
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Credit Report vs. Credit Score:
What’s the Difference?
FREE Credit Report | FREE Credit Score | |
---|---|---|
What is it? | Your credit report is a summary of all of your credit history over time. | Your credit score is a formula used by bureaus to determine how creditworthy you are. |
Where can you get it? | You can get your report with Credit Sesame or with a major credit bureau. | You can get your credit score from Credit Sesame or other places such as myFico. |
What kind of information does it show? |
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Who uses which? | Your creditor will typically do a hard credit inquiry to see if there is risk to giving you credit. | Your utility or phone company will do a soft credit inquiry before making a decision if you have to make a downpayment or not. |
How often do credit
scores change?
![Example Timeline of Credit Score Changes](/landing/_next/static/media/time-line-credit-score.aa7dc334.png)
Example Timeline of Credit Score Changes
More often than not, changes to your credit score will occur in increments. Typically, you will only see changes of a few points each month. Even though your credit score looks like it stays pretty consistent month to month, it can add up to big changes over time. When you open an account with Credit Sesame, we’ll show you your credit score for FREE, all the ways to improve it, and what you can do with a better score along the way. Absolutely free.
![Starting to Improve Your Credit Score](/landing/_next/static/media/new-time-line-credit-score.07e59ed7.png)
Starting to Improve Your Credit Score
When you open a new line of credit, a few immediate changes are usually made to your credit report. Most instantly, a new hard inquiry will probably be added to your report, and your average age of credit history could drop. Due to these factors, opening a new account is likely to drop your credit score in the short term. However, as you begin to diligently pay off your bills, the additional on-time payments, the higher number of total accounts and your now-growing age of credit history will likely outweigh the initial downsides, and your score can benefit in the long term.
![Credit Myths](/landing/_next/static/media/credit-myths-question-mark.f8649a4d.png)
Credit Myths
![Credit Myths](/landing/_next/static/media/credit-myths-question-mark.f8649a4d.png)
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Got questions?
We’ve got answers!
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 virtual secured credit card with CFSB that is reported to the credit bureaus. Use money from your Sesame Cash account to create a virtual secured credit card. Your debit card purchases are then added up to create a balance on your virtual secured credit card. As you make these purchases, an amount equal to the balance on your virtual secured credit card is also set aside in your Sesame Cash account to ensure you can make timely payments to pay off the balance on your virtual secured credit card 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 virtual secured credit card 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 Cash back offers are powered by Button, Inc. Cash back requires the activation of any active offer before payment is made. Offers vary by geographic location and are subject to change. Please review the full program terms for more details.
3 This is a limited time offer. To be eligible for cash rewards, a minimum deposit, every 30 days, must be made into your Sesame Cash account. Rewards earnings are available for credit score improvements of ten points or more within a 30-day reward cycle. Improvements are calculated from your baseline credit score, as determined by Credit Sesame. Please review the full program terms for more details, including the minimum deposit amount for this program term.;