Credit Sesame: Build Score

I had horrible credit, low 500s. Credit sesame sent me any and all possible offers on credit cards with fair chance, good and very good chance. I got 1 credit card that actually gave me $400 in credit about 4 months back from what they referred. After making the payments on time I’ll be able to raise it in 2 months and because of that I was sent good and very good options to open new credit cards. I now have 4 credit cards I’m approved for and I’ll get another capital one after I pay my first on the quick silver. I’m also approved for Kohl’s $400, Victoria Secret&150 (for wife Christmas lol) and Macy’s. I’m letting my wife buy a few things while monitoring my credit. Credit Sesame sends updates and emails and I never would have put in the effort or thought it was possible with out them. They just made it so simple for a man like me, 40 year old from GA. I know when people read good reviews they think it could be paid for or the company but unfortunately I’m not paid by them. But if you were in my boat or looking to get new credit or built it, download them it is so easy.

response required

Don’t bother downloading this app. It provided nothing that isn’t commonly known elsewhere. It pulled my credit report which has had 2 inquiries in the last year. This is excellent but going over these two could potentially hurt my score. The app recognizes this fact and while congratulating me for this it’s Number 1 suggestion is to apply for more credit. To this end a number of Card offers are displayed with each claiming the likelihood of being approved is “VERY GOOD.” One of the Card offers is for a Card I’ve already been declined. This app like the others; Credit Karma and Experian, are a complete waste of time. Don’t buy into the claims these apps make and suspect the reviews others have made. Sort reviews by Most Recent. An abundance of good reviews with each touting a similar praise for single particular feature should be a red flag. An app with an abundance of poor reviews for a particular feature should also be a red flag but not necessarily in favor of the app being poorly rated. An app with complaints about customer service with replies from Developers is still suspect unless original reviewers write an update that’s dated and in reflects a good experience is good. Give them a try. This app has far too many good reviews on the same feature. I found it aggressively advertising for affiliates. It’s advice is nothing new but the works against itself which makes it predatory. Don’t download.

This is a good free service if youre just starting to focus on your credit. Most of the information for my debts and accounts are fairly accurate. However, i also have access to my FICO score through my car note holder..and their score is 60points higher! Of course this may not reflect as much because i dont pay for the premium services, but basically if you have a good score here- you might have an even higher score in all actuality. Thats why i keep the app to have a reference point if i can get this score to reflect the FICO then my score should be substantially better! I will credit this app with helping me make a 457 into a 650 in under ONE YEAR! With help getting a secure card, and knowing whos holding my debts and what exactly i had to pay. They make this information very easy to understand. I had a lot of misconceptions about the reporting process, and this is a very clear concise way to help learn what makes a credit score.

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.

Your 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