Which credit bureau does Credit Sesame use?
TransUnion
A free Credit Sesame account utilizes information from TransUnion, one of the major national credit bureaus. Upgrade to a premium Credit Sesame plan for credit report info from all three bureaus: TransUnion, Experian and Equifax.
Does Credit Sesame use FICO or Vantage?
Credit Sesame uses VantageScore® 3.0, a scoring model provided by TransUnion, one of the three major credit bureaus. VantageScore® 3.0 was developed by all three of the credit bureaus to be an alternative to other commercial scoring models like FICO.
Does Credit Sesame use TransUnion?
The credit score you see on Credit Sesame is based on the VantageScore® 3.0 scoring model and provided by TransUnion, but when you upgrade to our premium services, we show your score from all three credit bureaus (along with many other resources to help protect your credit).
How does Credit Sesame know my income?
Credit Sesame is a free credit monitoring service. For example, at a glance you’ll see your total debt balance, total monthly minimum payment and debt-to-income ratio, based on self-reported income (your income is not part of your credit report).
How far off is Credit Sesame?
Credit Sesame pulls your credit information once a month from TransUnion and also uses VantageScore to determine your credit score. As such, it can be said to be reasonably reliable. However, it updates your score with less frequency and with information from only one bureau instead of Credit Karma’s two.
Is Credit Sesame a hard pull?
Using Credit Sesame does not affect your score in any way. When Credit Sesame accesses your credit on your behalf there is only a “soft” credit inquiry into your credit which does not hurt your score like a hard inquiry from a lender might.
Why is Credit Sesame different from Experian?
While Experian compiles your credit report and determines your credit score, Credit Karma simply shows you credit scores and report information from Equifax and TransUnion.
How legit is Credit Sesame?
Is Credit Sesame Safe? The simple answer is yes. Credit Sesame is safe and uses the same security measures as banks and the government to keep your information safe and secure. Credit Sesame is not a scam; it is providing a legitimate service.
Is Credit Sesame or Credit Karma more accurate?
Credit Karma shows TransUnion and Equifax; Credit Sesame just shows TransUnion. Credit Sesame offers better identity protection options. Credit Karma offers a more detailed credit score simulator. Credit Sesame’s recommendations are often more on-point than Credit Karma’s, in my own experience.
Does Credit Sesame hit your credit score?
Who has the most accurate credit score?
FICO scores are used in over 90% of lending decisions making the FICO® Basic, Advanced and Premier services the most accurate for credit score updates.
What does Credit Sesame do for a living?
Credit Sesame, a financial wellness company, is a consumer advocate. We provide credit scores, updated monthly, absolutely free to any U.S. consumer who has a credit file. Credit Sesame also provides services to help consumers make better financial decisions. We offer free credit scores to empower consumers to do two things:
What’s the difference between Credit Sesame and TransUnion?
It shows the credit score each bureau reports for you, plus what each includes on your credit report. Credit Sesame shows the same, but only from TransUnion. Why does that matter? You don’t have just one credit score — you actually have several, reported by multiple agencies, and they’re not always the same.
Do you see total debt on Credit Sesame?
One thing Credit Sesame includes on your dashboard that I didn’t see anywhere on Credit Karma is total debt. Your debt — from student loans, mortgage, auto loans, whatever — is a key part of your credit score, so it’s nice to see up front what you’re dealing with.
Who are the private investors in Credit Sesame?
Inventus Capital Partners and Menlo Ventures have invested in Credit Sesame during previous rounds of angel investing. Credit Sesame’s operations rely on the private financing it receives. 5