Credit Sesame scores, tradelines and card offers

Credit Sesame, Inc. · Lending

Credit Sesame: Grow your score is Credit Sesame, Inc.'s US consumer-finance app for checking VantageScore readings, viewing one- and three-bureau credit reports, reviewing tradelines, and comparing credit-card and personal-loan offers. Its credit-coach and suggested-card screens sit alongside rent-reporting enrollment, credit lock, identity-exposure scans, Sesa AI chat and savings goals. Sesame Cash adds a Mastercard debit account issued with Community Federal Savings Bank, while the app also offers a premium subscription plan. Suggested-card modules include Capital One prescreening. It serves US consumers who want to follow their credit, compare borrowing options and report rent, placing it alongside Intuit Credit Karma, Experian, NerdWallet, WalletHub and myFICO. Sign-in uses email and password, with optional two-factor codes and biometric unlock on the device.

CSID bureau-score snapshots pair bureau and scoreModel with score, scoreRating, scoreDate and next3BUpdateDate. The app's credit-file summaries add creditRank, openTradeLinesCount, hardInquiriesLast6Months and creditHistoryLength, while individual tradelines link idHash to creditor, currentBalance, creditLimit, payStatus and late-payment counts. Credit-operations dashboards can organize readings by bureau and model, track refresh dates, and compare account balances with reported limits.

Card-offer records combine issuer, apr, approvalOdds and annualFeeDetails with utilization context in creditCardUsageDetail. Personal-loan offers add loanAmountMax, monthlyPayment and termMonths for comparison tools. Rent histories supply amount, status and date alongside enrollmentStatus; identity-exposure summaries distinguish numDataBrokersFoundExposed from numDataBrokersNotFoundOrRemoved. These records support card-offer ranking, tradeline reconciliation, rent-history tracking and broker-removal workflows. openData Studio turns this data model into callable open data for authorized integrations.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Create session

POST /v1/access/start osint

Exchanges email/password plus a client apiKey for sessionId and sessionIdentifier used as the session token on later calls.

Auth: No existing session required. A client apiKey and email/password are supplied in the JSON body; sessionId / sessionIdentifier identify the resulting session.

apiKey
email
password
pushNotification
sessionId
sessionIdentifier
userId
role
expiresSeconds
accountInfo
phoneNumber
isMorpheus
isUserResurrected
firstLoginOfTheMonth
isProfileRefresh
clientIp

POST /v1/access/start HTTP/1.1
Content-Type: application/json

{
  "apiKey": "<client_api_key>",
  "email": "[email protected]",
  "password": "<password>",
  "pushNotification": {
    "token": "<push_token>"
  }
}

{
  "sessionId": "session_example_001",
  "sessionIdentifier": "session_reference_example_001",
  "userId": "member_example_001",
  "role": "USER",
  "expiresSeconds": 1800,
  "accountInfo": {
    "email": "[email protected]",
    "phoneNumber": "+12125550121"
  },
  "isMorpheus": false,
  "isUserResurrected": false,
  "firstLoginOfTheMonth": true,
  "isProfileRefresh": false,
  "clientIp": "203.0.113.10"
}

User basic info

GET /v1/member/details opendata

Loads the signed-in profile used by settings and enrollment: userId, names, income, creditMonitoringEnabled, premiumAccount, allowScoreRefresh and rentReporting flags.

Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.

userId
email
contactPhoneNumber
firstName
lastName
signUpStatus
homeOwnerStatus
annualIncome
creditMonitoringEnabled
premiumAccount
allowScoreRefresh
is2FAActive
rentReporting
accountId
status

GET /v1/member/details HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json

{
  "userId": "member_example_001",
  "email": "[email protected]",
  "contactPhoneNumber": "+12125550121",
  "firstName": "Alex",
  "lastName": "Rivera",
  "signUpStatus": "COMPLETE",
  "homeOwnerStatus": "RENT",
  "annualIncome": 72000,
  "creditMonitoringEnabled": true,
  "premiumAccount": false,
  "allowScoreRefresh": true,
  "is2FAActive": true,
  "rentReporting": true,
  "accountId": "account_example_002",
  "status": "ACTIVE"
}

Three-bureau CSID scores

GET /v1/credit/bureau-readings openfinance

Returns the CSID three-bureau score tiles: per-bureau score, scoreModel, scoreRating, scoreDate and next3BUpdateDate.

Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.

creditScoreDetails
bureau
scoreModel
score
scoreRating
scoreDate
next3BUpdateDate

GET /v1/credit/bureau-readings HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json

{
  "creditScoreDetails": [
    {
      "bureau": "EXPERIAN",
      "scoreModel": "VantageScore 3.0",
      "score": 734,
      "scoreRating": "Good",
      "scoreDate": "2026-10-12",
      "next3BUpdateDate": "2026-11-12"
    },
    {
      "bureau": "EQUIFAX",
      "scoreModel": "VantageScore 3.0",
      "score": 728,
      "scoreRating": "Good",
      "scoreDate": "2026-10-12",
      "next3BUpdateDate": "2026-11-12"
    },
    {
      "bureau": "TRANSUNION",
      "scoreModel": "VantageScore 3.0",
      "score": 741,
      "scoreRating": "Good",
      "scoreDate": "2026-10-12",
      "next3BUpdateDate": "2026-11-12"
    }
  ]
}

Credit profile

GET /v1/credit/file-summary openfinance

Loads the credit-manager profile: creditScore, creditRank, tradeline and inquiry counts, history length and lastRefreshDate.

Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.

creditProfileId
userId
creditScore
creditRank
scoreModel
provider
openTradeLinesCount
totalAccountCount
hardInquiriesLast6Months
creditHistoryLength
delinquentAccountsCount
derogatoryAccountsCount
bankruptciesLast12Months
publicRecordsCount
lastRefreshDate
reportPulledDate
isProfileRefresh

GET /v1/credit/file-summary HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json

{
  "creditProfileId": "credit_file_example_001",
  "userId": "member_example_001",
  "creditScore": 734,
  "creditRank": 68,
  "scoreModel": "VantageScore 3.0",
  "provider": "CSID",
  "openTradeLinesCount": 7,
  "totalAccountCount": 12,
  "hardInquiriesLast6Months": 1,
  "creditHistoryLength": 96,
  "delinquentAccountsCount": 0,
  "derogatoryAccountsCount": 0,
  "bankruptciesLast12Months": 0,
  "publicRecordsCount": 0,
  "lastRefreshDate": "2026-10-12T14:03:11Z",
  "reportPulledDate": "2026-10-12",
  "isProfileRefresh": false
}

Current-month 3-bureau report

GET /v1/credit/monthly-file openfinance

Pulls this month's three-bureau credit report (creditProfileId, scoreModel, reportPulledDate plus creditScoreAnalysis / debtAnalysis).

Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.

creditProfileId
creditScore
provider
scoreModel
reportPulledDate
lastRefreshDate
openTradeLinesCount
totalAccountCount
userId
creditScoreAnalysis
debtAnalysis

GET /v1/credit/monthly-file HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json

{
  "creditProfileId": "credit_file_example_001",
  "creditScore": 734,
  "provider": "CSID",
  "scoreModel": "VantageScore 3.0",
  "reportPulledDate": "2026-10-12",
  "lastRefreshDate": "2026-10-12T14:03:11Z",
  "openTradeLinesCount": 7,
  "totalAccountCount": 12,
  "userId": "member_example_001",
  "creditScoreAnalysis": {
    "creditUtilization": 0.18
  },
  "debtAnalysis": {
    "totalBalance": 4200.0
  }
}

Tradeline details

GET /v1/credit/accounts/{account_ref} openfinance

Returns one tradeline by its account reference: creditor, currentBalance, creditLimit, payStatus and late-pay counts for the account-detail screen.

Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.

idHash
creditor
accountType
openClosed
currentBalance
creditLimit
apr
dateOpened
payStatus
late30Count
late60Count
late90Count
amountPastDue
tradelineAgeInMonths
scoreImpact
highBalance

GET /v1/credit/accounts/account_example_001 HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json

{
  "idHash": "account_example_001",
  "creditor": "CHASE",
  "accountType": "REVOLVING",
  "openClosed": "OPEN",
  "currentBalance": 812.44,
  "creditLimit": 4500,
  "apr": 19.99,
  "dateOpened": "2019-03-14",
  "payStatus": "CURRENT",
  "late30Count": 0,
  "late60Count": 0,
  "late90Count": 0,
  "amountPastDue": 0.0,
  "tradelineAgeInMonths": 91,
  "scoreImpact": 12,
  "highBalance": 2100
}

Credit-card marketplace

GET /v1/marketplace/card-options openfinance

Lists marketplace credit-card offers (productId, issuer, apr, approvalOdds) plus nested creditCardUsageDetail utilization for the suggested-cards module.

Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.

creditCards
offers
productId
creditCardId
name
issuer
issuerEnum
apr
annualFeeDetails
approvalOdds
averageApprovedScore
cardRewardType
hasPreApproval
creditCardUsageDetail
userCreditLimit
creditUtilizationPercent
creditUtilizationScore
totalCount
page
itemsPerPage
needCapOnePrescreenAcknowledge
module

GET /v1/marketplace/card-options?page=1&itemsPerPage=20 HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json

{
  "creditCards": [
    {
      "productId": "card_example_001",
      "creditCardId": "4412",
      "name": "Example Cashback Card",
      "issuer": "Capital One",
      "issuerEnum": "CAPITAL_ONE",
      "apr": 19.99,
      "annualFeeDetails": "$0",
      "approvalOdds": "EXCELLENT",
      "averageApprovedScore": 720,
      "cardRewardType": "CASH_BACK",
      "hasPreApproval": true,
      "creditCardUsageDetail": {
        "userCreditLimit": 4500,
        "creditUtilizationPercent": 18,
        "creditUtilizationScore": "Good"
      }
    }
  ],
  "offers": [],
  "totalCount": 24,
  "page": 1,
  "itemsPerPage": 20,
  "needCapOnePrescreenAcknowledge": true,
  "module": "MARKETPLACE"
}

Personal-loan marketplace

GET /v1/marketplace/loan-options openfinance

Lists personal-loan offers with personalLoanId, apr, loanAmountMax, monthlyPayment, termMonths and approvalOdds.

Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.

items
offers
personalLoanId
name
apr
loanAmount
loanAmountMax
monthlyPayment
termMonths
originationFee
approvalOdds
offerType
partnerCode
page
itemsPerPage
totalCount
advertiserDisclosure

GET /v1/marketplace/loan-options?page=1&itemsPerPage=20 HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json

{
  "items": [
    {
      "personalLoanId": "loan_example_001",
      "name": "Personal Loan",
      "apr": 11.49,
      "loanAmount": 10000,
      "loanAmountMax": 25000,
      "monthlyPayment": 312.4,
      "termMonths": 36,
      "originationFee": 199.0,
      "approvalOdds": "GOOD",
      "offerType": "PERSONAL_LOAN",
      "partnerCode": "UPSTART"
    }
  ],
  "offers": [],
  "page": 1,
  "itemsPerPage": 20,
  "totalCount": 8,
  "advertiserDisclosure": "Advertiser disclosure."
}

Credit-monitoring alerts

GET /v1/monitoring/notices opendata

Pages credit-monitoring alerts (id, title, bureau, category, type, viewed) for the alerts inbox.

Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.

id
title
enhancedTitle
bureau
category
type
watchAlertId
viewed
provider
receiveDate
processedDate
alertDetailsURL
accountId
active

GET /v1/monitoring/notices HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json

{
  "alerts": [
    {
      "id": 88121,
      "title": "New inquiry reported",
      "enhancedTitle": "A hard inquiry was added to your Experian file",
      "bureau": "EXPERIAN",
      "category": "INQUIRY",
      "type": "HARD_INQUIRY",
      "watchAlertId": "notice_example_001",
      "viewed": false,
      "provider": "CSID",
      "receiveDate": "2026-10-11",
      "processedDate": "2026-10-11",
      "alertDetailsURL": "/v1/monitoring/notices/notice_example_001/details",
      "accountId": 4412,
      "active": true
    }
  ]
}

Identity-exposure report
GET /v1/privacy/broker-summary opendata
Returns identity-exposure broker counts: scanned, still exposed, removed, and in-progress.
Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.
- numDataBrokersFoundExposed
- numDataBrokersNotFoundOrRemoved
- numDataBrokersScanInProgress
- numDataBrokersScanned
```
GET /v1/privacy/broker-summary HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json
```
```
{
  "numDataBrokersFoundExposed": 6,
  "numDataBrokersNotFoundOrRemoved": 14,
  "numDataBrokersScanInProgress": 2,
  "numDataBrokersScanned": 22
}
```
Credit-lock status
GET /v1/credit/protection-state openfinance
Reads per-bureau credit-lock status (bureau, status, timestamp) for the lock module.
Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.
- bureau
- status
- timestamp
```
GET /v1/credit/protection-state HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json
```
```
{
  "bureau": "TRANSUNION",
  "status": "LOCKED",
  "timestamp": "2026-10-12T14:03:11Z"
}
```

In-house score simulation

GET /v1/credit/scenario-projection openfinance

Runs the in-house score simulator: identifiers for the what-if, projected creditScore, and scoreOverTimeData series.

Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.

identifiers
creditScore
scoreOverTimeData

GET /v1/credit/scenario-projection HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json

{
  "identifiers": [
    "PAY_DOWN_CARD",
    "NEW_CREDIT_CARD"
  ],
  "creditScore": 748,
  "scoreOverTimeData": {
    "points": [
      {
        "month": 0,
        "score": 734
      },
      {
        "month": 6,
        "score": 748
      }
    ]
  }
}

Rent-reporting payments

GET /v1/housing/reported-payments openfinance

Lists rent-reporting payments (name, amount, status, accountNumber, date) plus enrollmentStatus for the rent module.

Auth: Session token (sessionId / sessionIdentifier) sent as Authorization: Bearer <sessionId>.

name
amount
status
accountNumber
date
enrollmentStatus
hasEnrollmentStarted
enrollmentComplete

GET /v1/housing/reported-payments HTTP/1.1
Authorization: Bearer <sessionId>
Accept: application/json

{
  "payments": [
    {
      "name": "October rent",
      "amount": 1850.0,
      "status": "REPORTED",
      "accountNumber": "****1212",
      "date": "2026-10-01"
    }
  ],
  "enrollmentStatus": "ENROLLED",
  "hasEnrollmentStarted": true,
  "enrollmentComplete": true
}

Where teams use this data

Three-bureau score dashboard
A credit-ops board charts creditScoreDetails.score by bureau and scoreModel, overlays creditRank / hardInquiriesLast6Months from the profile, and flags next3BUpdateDate so a refresh is scheduled before the CSID window lapses.
Card-offer ranker
A marketplace matcher sorts creditCards by approvalOdds and apr, then filters on creditCardUsageDetail.creditUtilizationPercent and userCreditLimit so only issuers the file can actually carry are shown.
Tradeline utilization recon
A bookkeeping bot walks tradeline idHash rows (creditor, currentBalance, creditLimit, payStatus, late30Count) against the profile's openTradeLinesCount to catch a newly delinquent revolving line.
Rent and broker-exposure ops
A tenant-credit workflow posts rent-reporting payments (amount, status, date) and watches IdentityExposureInfo.numDataBrokersFoundExposed so a removal ticket opens when a new broker listing appears.

Frequently asked questions

Is this an official public Credit Sesame API, and how is authentication illustrated?

No. The paths and request/response values shown here are illustrative examples for planning integrations, not an official public Credit Sesame developer API. They do not provide access to anyone's credit file. Credit reports, account details and session credentials require appropriate authorization. The sign-in example supplies email, password and a client apiKey to obtain sessionId and sessionIdentifier. Subsequent examples use a Bearer session token. All credential values are placeholders; optional two-factor codes and biometric unlock remain separate account-security features.

Which score, credit-profile, credit-lock and simulation fields are represented?

Three-bureau score records contain creditScoreDetails with bureau, scoreModel, score, scoreRating, scoreDate and next3BUpdateDate. Credit-profile records add creditProfileId, creditScore, creditRank, openTradeLinesCount, hardInquiriesLast6Months, creditHistoryLength and lastRefreshDate. Credit-lock records contain bureau, status and timestamp. Score-simulation records pair scenario identifiers with a projected creditScore and scoreOverTimeData. A projected score describes a what-if scenario rather than a guaranteed future credit outcome.

What can card and personal-loan comparison tools use?

Card-offer records include productId, issuer, apr, annualFeeDetails, approvalOdds, averageApprovedScore and creditCardUsageDetail with userCreditLimit and creditUtilizationPercent. Loan offers include personalLoanId, apr, loanAmountMax, monthlyPayment, termMonths and partnerCode. The sample values are fictional, not current product terms or guarantees of approval.

How are tradelines, rent histories and identity exposure structured?

Tradelines use idHash and list creditor, currentBalance, creditLimit, payStatus and late30Count, late60Count and late90Count. Rent-payment records contain name, amount, status, accountNumber and date, with separate enrollment-status flags. Identity-exposure summaries count brokers found exposed, not found or removed, still being scanned and scanned in total.

Apps similar to Credit Sesame: Grow your score

Intuit Credit Karma — Intuit Credit Karma is a free US app for credit scores, reports and monitoring, with personalized credit-card and loan comparisons and $0 federal tax filing.
Experian® — Experian's consumer app provides a FICO Score and Experian credit report, plus Experian Boost, credit-report alerts, and dark-web scanning.
WalletHub — WalletHub offers free credit scores, reports and daily monitoring, a score simulator, a TransUnion credit-report lock, and credit-card comparison tools.
myFICO — myFICO is FICO's consumer service: the free plan updates an Equifax FICO Score 8 monthly, while paid plans add three-bureau FICO scores, reports, and monitoring.
NerdWallet — NerdWallet's free credit-score tool shows a TransUnion VantageScore 3.0 updated weekly, alongside comparison guides for credit cards, loans, and bank products.
CreditWise — Capital One CreditWise provides a free FICO Score 8 based on TransUnion data, a TransUnion credit report, a Credit Simulator, and alerts on TransUnion and Experian files without requiring a Capital One account.

More Lending apps

Topics

credit sesame
credit sesame data API
vantagescore
three-bureau credit score
credit report fields
tradeline balances
credit card offer comparison
personal loan offers
rent reporting
credit lock
identity exposure
score simulation

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Credit Sesame scores, tradelines and card offers

Screenshots

API surface

Create session

User basic info

Three-bureau CSID scores

Credit profile

Current-month 3-bureau report

Tradeline details

Credit-card marketplace

Personal-loan marketplace

Credit-monitoring alerts

Identity-exposure report

Credit-lock status

In-house score simulation

Rent-reporting payments

Data categories

Where teams use this data

Three-bureau score dashboard

Card-offer ranker

Tradeline utilization recon

Rent and broker-exposure ops

Frequently asked questions

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Credit Sesame scores, tradelines and card offers

Screenshots

API surface

Create session

User basic info

Three-bureau CSID scores

Credit profile

Current-month 3-bureau report

Tradeline details

Credit-card marketplace

Personal-loan marketplace

Credit-monitoring alerts

Identity-exposure report

Credit-lock status

In-house score simulation

Rent-reporting payments

Data categories

Where teams use this data

Three-bureau score dashboard

Card-offer ranker

Tradeline utilization recon

Rent and broker-exposure ops

Frequently asked questions

Related apps

Apps similar to Credit Sesame: Grow your score

More Lending apps

BAF Mobile - Cicilan Pinjaman

Brigit: Cash Advance & Credit

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CASHe: Quick Personal Loan App

Topics

Need this app's data API integrated?