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Credit Sesame’s New iPhone App Review
Posted By Miranda On 05/17/2012 @ 12:10 pm In Credit | No Comments
By now, you are probably aware of how important your credit score is to your financial future. Knowing your credit score, and keeping up with your credit situation can help you save money in the long run, especially as you take steps to improve your situation.
One of the ways you can keep tabs on your general creditworthiness is by signing up for a web site like Credit Sesame . Credit Sesame offers you access to a general idea of your credit score — at least the Experian version of it — and provides you with information about how you can save money with different credit offers. Recently, Credit Sesame launched an online app designed to let you take advantage of Credit Sesame on the go.
The iPhone app from Credit Sesame allows you to access the basic features of the Credit Sesame web site. You can do all of the following:
The Credit Sesame app is free, as is signing up for the service. Additionally, it is intuitive, attractive, and easy to use. You are protected using bank-grade security, so your information is as safe as it can be in a world where identity theft  is a growing crime. It’s also worth noting that you will set up a PIN, and you can remotely turn off mobile access in the event that you lose your phone. Also, understand that your Social Security number is not stored on the phone, even though you need it to sign up for Credit Sesame (it’s used to pull your credit information). Credit Sesame makes money when you sign up for offers — not from lead generation — so you don’t have to worry about the company selling your information to the highest bidder.
For the most part, the Credit Sesame iPhone app is a lot like interacting with the web site. You can see where you stand, and get an idea of what might be available for you going forward. The information you can get is likely to eventually be even more targeted and personalized.
It is important to understand that you aren’t getting a FICO score when you sign up for a service like Credit Sesame. While the web site, and the app, can be useful for spotting general credit trends in your life, and giving you a general idea of where you stand, you aren’t getting a FICO score . Instead, you are getting a consumer version of your Experian score. While this can be useful in general terms for tracking your progress, it still isn’t “official” in terms of what lenders use to determine your credit worthiness.
The main appeal to the Credit Sesame app is that you have the opportunity to check on your situation no matter where you are. You can see your accounts, and hold the information in the palm of your hand. It’s convenient for those who prefer mobile financial information.
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