Your Credit Score made simple

Sesame Ring

Your credit score
made simple

Get a more comprehensive look at your credit score, see the factors behind the numbers, and follow clear actions to reach your goals.

By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.

Sesame Ring

Your credit score made simple

Get a more comprehensive look at your credit score, see the factors behind the numbers, and follow clear actions to reach your goals.

By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.

Your full credit picture at a glance

By clicking on the button above, you agree to the Credit Sesame Terms of Use and Privacy Policy.

See your current score

Check your credit score and see a clear letter grade for the five major factors that impact your credit

See where you need to focus

We analyze your credit profile and highlight the areas where you can take immediate action to build positive credit history

See what action to take

We outline the steps you need to take to improve your grade and raise your credit score

By clicking on the button above, you agree to the Credit Sesame Terms of Use and Privacy Policy.

Your full credit picture at a glance

See your current score

Check your credit score and see a clear letter grade for the five major factors that impact your credit

See where you need to focus

We analyze your credit profile and highlight the areas where you can take immediate action to build positive credit history

See what action to take

We outline the steps you need to take to improve your grade and raise your credit score

By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.

Sesame Grade

Go beyond the numbers with Sesame Grade

We’ve made understanding your credit score easy as ABC. Our new grading system shows you a clear letter grade based on the five major factors impacting your credit.

By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.

Sesame Grade

Go beyond the numbers with Sesame Grade

We’ve made understanding your credit score easy as ABC. Our new grading system shows you a clear letter grade based on the five major factors impacting your credit.

By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.

Intelligent Alerts

Make smarter moves with intelligent alerts

Our intelligent alert system keeps you updated about important changes to your credit factors. It’s never been easier to see exactly what needs attention and what actions you should take.

By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.

Intelligent Alerts

Make smarter moves with intelligent alerts

Our intelligent alert system keeps you updated about important changes to your credit factors. It’s never been easier to see exactly what needs attention and what actions you should take.

By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.

Potential

See your potential credit score

You want the highest credit score possible—and we’re here to help you get it. We show you how the actions you take now can influence the credit score you have in the future.

By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.

Potential

See your potential credit score

You want the highest credit score possible—and we’re here to help you get it. We show you how the actions you take now can influence the credit score you have in the future.

By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.

See grades for each major credit factor

Payment History

Credit usage

Credit age

Account mix

Credit inquiries

Payment History

Credit usage

Credit age

Account mix

Credit inquiries

Payment History

Payment history has the biggest impact on your credit score. It reflects how consistently you’ve made payments on your credit accounts, such as credit cards, loans, and mortgages. To build positive payment history, it’s important to make on-time payments.

Payment History

Credit Usage

Credit usage has the second largest impact on your score. It refers to how much of your available credit you’re using. High usage can lower your credit score, as it might indicate that you’re relying too much on credit. Using less of your available credit is always better.

Credit Usage

Credit age

Your credit age has a smaller impact on your credit score—but it still matters. It refers to the average age of your open accounts. A longer credit history shows you have experience managing credit responsibly, so it’s generally a good idea to keep your oldest accounts open.

Credit age

Account mix

Your account mix is also a smaller part of your credit score. It refers to the different types of accounts you have, like credit cards, loans, and mortgages. Having a diverse mix can positively impact your credit score, because it shows you can handle a variety of debt responsibly.

Account mix

Credit Inquiries

The smallest factor that impacts credit score are credit inquiries.“Hard Inquiries” occur when you apply for credit and lenders check your credit report. Checking your own credit score and report is called a “soft inquiry” and does not affect your credit.

Credit Inquiries

The smallest factor that impacts credit score are credit inquiries.
“Hard Inquiries” occur when you apply for credit and lenders check your credit report. Checking your own credit score and report is called a “soft inquiry” and does not affect your credit.