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Is Credit Sesame accurate and free?

Lots of apps show a free credit score, but they don't all show the same score. Some show a FICO Score (the kind most lenders use), others a VantageScore, and each one draws on one credit bureau's file. Checking your own score never lowers it. Here's what each free service says it gives you.

Score model
VantageScore 3.0
Bureau data
TransUnion
Cost
Free (paid Premium adds other bureaus)
Credit report included
Summary (TransUnion), weekly
How often it updates
Daily
Who can use it
not found

Source: Credit Sesame page (checked 2026-10-12)

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FAQ

Is Credit Sesame accurate and free?

Here are the facts we could confirm on Credit Sesame's own page (2026-10-12): score model: VantageScore 3.0; bureau data: TransUnion; cost: Free (paid Premium adds other bureaus); credit report included: Summary (TransUnion), weekly; how often it updates: Daily; who can use it: not found. Whether it's good for you depends on what you need; compare it with the alternatives listed.

Where do these facts come from?

From Credit Sesame page (checked 2026-10-12). “not found” means the page didn't state it.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.