Credit Sesame: Build Score Negative Reviews

Credit Sesame: Build Score App Complaints & User Negative Comments 2024

Credit Sesame: Build Score app received 17 complaints, negative comments and reviews by users. Have you ever had a bad experience using Credit Sesame: Build Score? Can you share your negative thoughts about credit sesame: build score?

Credit Sesame: Build Score for Negative User Reviews

✓ Credit SesameThis app is all about (Credit Sesame) advertisers, that's how Credit Sesame makes their money. You don’t get a complete credit report as other apps like Credit Karma and Credit Wise. Credit Sesame gives nothing more than a ”summary” statement without any details. Credit Sesame (and all other apps) give you a FAKO (Vantage Score), which is always higher so you can take advantage of their ”offers.” The app is always trying to get you to obtain its vendor services to the detriment of your credit. What Credit Sesame doesn't tell you is that your data is not safe on Credit Sesame. They sell it to their vendors, where you will be solicited incessantly for credit cards, loans, and other financial instruments. I don’t recommend using this service when there are so many other free apps that don’t abuse like Credit Sesame. People whose second language is English should especially stay clear of this app..NeilEyesVersion: 4.1.4

✓ Mike hawk bernsteinSo I have been working on my credit. I worked hard and then Capital One cancelled my cash secured credit card despite the fact that I never even came close to exceeding my credit limit and I made payments twice per month to work on showing timely payments. After sending me the remainder of my balance, Capital One then send my deposit back but than began billing me for unknown charges and reflected it as late payments. All my hard work for nothing because Capital Ones actions lowered my score from 630 to 575. I then signed up for this app. One suggestion was that I open a new credit account and it listed several credit card that I had a very good chance of getting approved for. I followed the suggestion to apply for a card but I was denied and this has lowered my score even more. This app hurt me credit even worse due to the denial and inquiry. DO NOT TRY THIS. I seriously regret it as it made my score worse - just like Capital One..Mike hawk bernsteinVersion: 5.37

✓ James m Clark or clarky084Your actions mean well yet you need to be aware of illegal actions of the Consumer Protection laws. On denying my rights to negotiate a fair contract on a SUV loan at a fair price to a fair interest charge. The beginning of my negotiations on one Chevy dealer placed almost 10 hard inquiries on me before I refused. When I negotiated with another on a better deal they hit me almost 10 inquires taking my credit score from 757 in beginning to 622. I have all those denials in copy. There needs to be a different approach on their calculations on this illegal action under the federal consumer protection laws prohibiting me from a fair playing field on all purchasing negotiations. Of which is my right to have under the law. I am sending all papers and acknowledgments to the US Banking Committee as well as US Consumer Protection Committee Along with the USAtty office to help me and others against this unjust credit liability on us Americans. Clarky.Clarky084Version: 4.10

✓ In need of accurate updates!I won’t lie, out of all of the credit tracking apps, Credit Sesame is probably the best one I’ve used so far. I love how they get you matched up for credit card offers, for those who are trying to build credit. I love the suggestions as to what you can do to raise your credit score. What I’m not too thrilled with is the inaccurate reporting. My score that shows on Credit Sesame is nowhere near what my actual score is. They try to push my actual current score off as a potential score after following certain steps. Then, they have the nerve to charge you either $1.99 for 3 days or $4.99 for 30 days to instantly update your credit for you. Of course looking to see if it would show my actual score, I tried the 30 day service. Wouldn’t you know, there were no changes. It sounds like the perfect way to scam a lot of people out of some money. Not only that, after obtaining the cards they suggested, they would turn around and suggest them to me all over again. It’s a good product, just needs more work..Blaq XIVVersion: 4.7.1

✓ False Credit ScoreI recently applied for a Capital One Credit Card through the app and was thankfully rejected (don’t know why I applied as last time I had a card through them after paying off the balance in full before the end of the billing cycle I got hit with an interest payment). When I got the letter from Capital One it showed my credit score was in the mid 700s but Credit Sesame has it under 700. When I checked to see which agency was being used by Capital One and Credit Sesame it was Trans Union. When I emailed credit sesame each response I have received is basically an excuse. In short skip this app and any other similar apps as they are just getting people to sign up for more credit cards and really aren’t helpful at all. Downloader beware..E7of9Version: 5.43

✓ BEWARE !!! Thanks (NOT) for Hurting my Credit !Credit Sesame sent me a chance to obtain a Credit Card that I had a “Good” possibility of receiving. I could not find out anywhere on the display what type of “credit pull” was involved, it did not say in the FAQs, and there was no phone number or chat to ask. All of the Card offers I had seen on other Credit Apps were “soft pulls” to see if you met their minimum requirements, so I tried it. I got a Credit hurting Hard Pull, & turned down as well. Thanks Credit Sesame for lying to me about “Good” probability of success, & not warning me of a Hard Credit Pull which would have stopped me before I did damage. Bottom Line, take everything Credit Sesame sends you with a 50 Pound bag of salt (not a grain). They are clearly NOT pre-screening properly & don’t really give a hoot about helping your credit. Just pushing Cards to make money. You will get massive useless emails. They use TransUnion (may be part of it. I don’t know for sure). TransUnion is the worst of all Credit Reporters. I’m done with you Credit Sesame. You tricked me once & cost me valuable points while you no doubt got paid with a bogus “matched to my credit offer.” You use crappy TransUnion. There are better Credit Apps out there (Credit Karma) which are more useful & transparent. So, your sketchy marketing cost you this customer. I might look but I’ll never do any of your Credit Offers ever..Medic JDVersion: 5.31

✓ Credit Card constant Email BlastThought this app would be similar to Credit Karma. Though slightly helpful to see my score in comparison to CK; the constant email blasts I receive encouraging to apply for credit cards is annoying. I’m trying to improve my credit! I took their suggestion since they said it would help and eventually applied to a highly recommended one to see I prequalify for; only because they said it wouldn’t hurt my credit score. I was denied and my credit score took a hard inquiry. I looked back to find the suggested credit card and found it no longer on their list. Not happy my score took a hit. I haven’t had one in about 2 years. I’m going to the credit bureaus to dispute due to the misrepresentation..Fly2themoonVersion: 4.1.6

✓ Money transfer takes longI recently opened a sesame cash account something like a debit card you transfer money and use it as you would a bank card. It is supposed to help with you credit score. I’ve enjoyed this app, with the only exception that any money transfer takes 4-6 days in order for it to go through. I had transferred money to pay a bill and I ended up paying with a different credit card because it took so long for the money transfer from my bank to sesame to go through. Why does it take so long, where is the money while is transferring for almost a week. Almost makes me think that this money is being used for something else in that week period of time.?.ThisfoesntmakeanysenceVersion: 5.22

✓ It is okay!It does everything that Karma does with some extra features. I would say they are the same but better? Just because they have extra features and options. But honestly it is a 3 star for me until by default they don’t bombard you with emails about applying for “suggested” credit cards, “tips” and how you should open a bank account with them. I literally get a total of 3 emails DAILY!!!!!!!!! From Credit Sesame. I have created my account a little over a week ago and I have close to like 50 emails from the app. It is like they are super desperate for you to use their applying forms or something. Like calm down. Chances are that if we are using services like yours our credit is trash 😂 so do not try so adamantly to make people apply for credit cards, read your stuff or apply for your banking things 3 times a day. It makes me feel like I am forced to do these things or that you are trying to sell a product rather than being here to help. I know you have to make money somehow but at least pretend you are on our side by lowering down the email bombardment. That shouldn’t be a manual option, it should be a setting by default..KhriizjVersion: 5.26

✓ Clearly having a data breachI have a credit sesame card that I’ve NEVER even used in 3 years. I did not add that card to any accounts ever. Now I can’t recall if I had the card frozen through the app or not (which I always freeze cards I’m not using) but the card has been locked inside of my safe and all of a sudden yesterday it had several transactions processed taking basically the whole balance for some nerd making purchases through discord. I was not that nerd and I’m pretty sure I had that card locked since I had no plans to use it. I haven’t heard a peep about any data breach for credit sesame but clearly it’s happened since my card info was only on and accessible through their app account where you can unfreeze it and see all the card info to use it. The info was stored NOWHERE ELSE and the physical card was locked up safely..ElizabethAnn217Version: 5.65

✓ Hacked ?Woke up one day and couldn’t get in. I received a notification my score went up, but when I checked it said my email address and password didn’t match. So I changed the password and...same message. Tried different devices. Tried changing passwords again worried I’d been hacked. Made sure the app was updated...still same error. Otherwise... Don’t fall for the credit card offer scams. Many of them will dent your credit score and ding you if you apply for too many. Using the information about your payment history, credit usage etc is helpful. I use in conjunction with Credit Karma. I have learned a lot between the apps and my credit score is pretty high at this point. Just be prudent about the card advice...if you can log into the app!.ThessenceVersion: 4.21

✓ Not that helpful/accurateMy credit is BAD so obviously I downloaded this app to keep track and work on it. My score is displayed as “532”. And has been for a month and a half. I went to the bank 2 weeks ago and got a real credit report that said my actual score was 565. I then purchased the “refresh whenever for a week $1.99” option and refreshed everyday and saw no changes. I also paid off a good 60% of my credit usage in the first days of May, and it still tells me I’m utilizing 90% of my credit which is incorrect (last update on May 30). If you’re truly worried about your credit, you should contact your bank. Also do not download if you’re expecting an accurate reading of your credit score. :-) Forgot to mention I paid off all of a car loan ($3000+) at the end of April and it still hasn’t changed on this app..HuffyPuffyBlowFishVersion: 3.1.14

✓ The App is TrashThe app is always closing out on it’s own. It only updates one time a month ( at the very beginning). Which cause your score to not always be accurate. All the alerts in the world with no updates. Some days the app will let you on and some days it will not. I call support they only had me to uninstall the app to then reinstall and it work for a good two weeks correctly to go back to doing the same thing. I don’t even see the point of paying for this when I my getting an update score. You would think that you see change on your credit report then whether or not it change my score I should see the change on the app but no..Juicy SlimVersion: 5.34

✓ I don’t want another credit card - please go away!I signed up so I can see my credit score. Since then I’ve gotten tons of emails wanting me to sign up for credit cards. I don’t want any credit cards, I have plenty. My credit score is excellent, I’m retired and everything is paid for. Why would you want me to get more credit cards? Oh wait, you must make money based on how many people sign up for more credit cards. That trick may work with others but not me. You guys are nothing more than a drug dealer with your drug of choice being a credit card. The scary thing is, most of the sheeple you deal with are more then happy to go in dept. I’d give this app no stars if that was allowed. It would only be fitting for your company to go bankrupt..Bruce in PhoenixVersion: 4.4.4

✓ Don't waste your timeI am trying to rebuild my credit and downloaded this to help track my progress. After making an account, the app couldn't locate my credit file and was instructed to wait 30 days and try again. After a few months, saw a commercial for these guys on TV and thought I'd give it another try. First, couldn't log in with the app and was sure I knew the password, but I reset it anyways and it let me login to their website. They still couldn't locate my credit file. Then it still won't let me sign in on the app. I emailed their support and let them know the situation and attached copies of my I'D and social security card to help them locate my file. I can't see why they can't find it. I do have a credit score and have loved at the same address my entire life but whatever. I waited and almost a week later, still NO RESPONSE. Totally unprofessional. Don't waste your time..Boyfriend #2Version: 4.1.4

✓ New Credit Sesame Cash FeesIt looks like Credit Sesame decided to lose many if not most of its Cash customers. Here’s a note they’ve sent out today: “As a valued Sesame Cash account holder, we want to give you advance notice of new account fees* effective June 15, 2023 or after. The new fee structure is designed to ensure active users can still enjoy free banking services. Account holders who make a direct deposit of at least $500 or spend more than $1,000 during each monthly billing period continue to benefit from no monthly or inactivity fees. Account holders making a direct deposit under $500 or spending under $1,000 during each monthly billing period are charged a monthly fee of $9.99. Account holders with no money movement in or out of their accounts pay the monthly fee plus $3.00 for every 30 days of inactivity. Thank you for being a loyal supporter of Sesame Cash. We look forward to sharing new features and benefits with you in the near future. By continuing to utilize the services, you agree to the Sesame Cash Terms of Service and Sesame Cash Cardholder Agreement. If you do not wish to accept, you may choose to close your account. Credit Sesame” As such, I will be closing my Credit Sesame Cash account promptly, as the above fees are not acceptable..Dmitri/SLCAVersion: 5.73

✓ Not bad, not great, Watch for snakesI signed up with Credit Sesame prior to suggesting it to a younger family member just starting a career. Here are my thoughts: Spams you to death. If you blindly follow the app you might end up with a bunch of less than ideal cards, and if you aren’t disciplined in their use you could wind up in credit hell. So, use the app as one of your information resources, but remember they are trying to sell you as many cards as they can, and the cards they want to sell you are the ones that make them the most money. I suggest new credit users/credit rebuilders get a secured card from a local bank or credit union. If you cannot afford to fund a secured card then you are the last person on earth who should want a credit card - it will ultimately make a difficult financial life into an unending nightmare. You must solve your income vs. outflow problem first. Credit cards do not solve problems, they compound them. Think of having a card like having a pet cobra - a cool thing to have, but if you let it out of the basket and it bites you, you are going to wish you hadn’t gotten it. Likewise, Credit Sesame is moderately helpful as long as you don’t let them sell you a bunch of Ill tempered vipers for your basket, er, wallet. Good luck..RwizardVersion: 4.3.1

Credit Sesame: Build Score works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact Credit Sesame: Build Score.