The Sesame Story

Adrian Nazari founded Credit Sesame after the last financial crisis to help consumers improve their financial health by giving them free access to their credit score for the first time ever. At the time, the major credit bureaus charged consumers as much as $10 each time they wanted to see their own credit data. After months of negotiating and advocating for consumer transparency, Adrian secured a contract with one of the credit bureaus to provide free credit scores to consumers—a groundbreaking milestone and the spark of a new era of personal finance that empowers consumers to take charge of their own financial health.

We know that knowledge is power, so we soon began to combine our deep credit expertise with machine learning and AI to offer personalized advice and recommendations to help our customers improve their credit scores. Since then, we’ve helped millions of consumers improve their credit scores, increase their approval odds, lower the cost of credit, and save money.

But credit is just one piece of the personal finance puzzle. In fact, credit and cash are inextricably intertwined when it comes to a consumer’s financial health. We wanted to help consumers’ credit work for their cash, and their cash work for their credit. In March 2020, we created another groundbreaking milestone with the launch of the first-ever online bank account that allows consumers to grow their cash and credit together, and rewards them in cash for improving their credit score. We are now one of the fastest growing and most rewarding online banking services in the country.

While our business has evolved throughout the last decade, our mission of democratizing financial wellness has remained constant since day one. Our deep credit expertise and understanding of the relationship between cash and credit is helping millions of Americans effectively manage their credit and cash for their needs, work toward financial stability, and create better opportunities for themselves and their families.

And our work isn’t over yet.


Our Mission

Our mission is to empower people to take charge of their credit and loans and achieve their financial goals.

What We Do

It’s difficult to know which credit and loans are the best for you without any help. That’s why we offer a total solution: a complete picture of your credit and loans in one place.


Credit Score & Monitoring


Identity Theft Protection


Savings Recommendations


When you sign-up for a free Credit Sesame account you get the benefits of bank-level analytics developed with scientists from UC Berkeley and Stanford. Millions of people have already signed-up and benefited from this free product and you can too.