Credit Sesame is a free personal financial management tool. Credit Sesame specializes in tracking and monitoring the financial debts of each user. The company will provide recommendations to its user on how to lower their debt best.

By using your Sesame Cash card for daily purchases, you can establish a positive payment history reported to all 3 credit bureaus. Our Credit Builder open credit system is designed to encourage responsible usage which helps to increase your credit score.

Credit Sesame is a credit and loan company. Credit Sesame was launched in private beta at TechCrunch Disrupt 2010.

VantageScore® 3.0 scoring model The credit score you see on Credit Sesame is based on the VantageScore® 3.0 scoring model. It's provided by TransUnion, but when you upgrade to our premium services, we show your score from all three credit bureaus. You'll also get access to many other resources to help protect your credit.

With this new credit builder banking service, Credit Sesame is taking a giant leap towards helping its 16 million customers achieve their number one goal: establishing and growing their credit.

Sesame Cash is a digital bank account that comes with a prepaid Mastercard debit card. In order to offer this account, we've partnered with Community Federal Savings Bank (CFSB), Member FDIC.

The Social Credit System was introduced by the Chinese government and Alibaba promotes Sesame credit as a technology partner of the government's project.

Credit Sesame is one of the first fintech companies to implement credit-building tools using consumers' cash and alternative data points to fast-track credit building.

What Is a Credit Scoring Model? A credit scoring model is a mathematical model used to estimate the probability of default, which is the probability that customers may trigger a credit event (e.g., bankruptcy, obligation default, failure to pay, and cross-default events).

These models are used by credit bureaus and lenders to assess the risk of lending money or extending credit to individuals or businesses. The credit scoring model evaluates various factors, including payment history, credit utilization, length of credit history, types of credit accounts, and recent credit inquiries.

When used responsibly, credit cards allow you to earn cash or other rewards for the things you buy every day. Plus, they can be valuable budgeting tools that let you easily see where your money goes each month and make any necessary adjustments. That's why some people use their credit cards for all transactions.

Many credit cards attract customers by offering incentives such as airline miles, hotel room rentals, gift certificates to major retailers, and cash back on purchases.