Finance AI Index

Index › Vendors › Credit Sesame · September 2026 Edition

1 category · Named, not ranked

Credit Sesame

3Judge labels

0First choices

3Negative labels

3 of 12Models named it

1Category

September 2026 Edition. Every number here is derived from the raw labels under vendor table vv2026-09.2, every buyer segment counted.

Standing

3 labels, too few to rank

A product needs 10 labels in a category before a share or quadrant is stated. Credit Sesame was named 3 times in B2B credit management, where Tesorio led with 16%. The labels and the evidence are below, counted exactly.

By buyer segmentRead the same way at every buyer size.

Small businessnot named

No model named it for this buyer.

Mid-market82 of 82

under the label threshold

Enterprisenot named

No model named it for this buyer.

In b2b credit management · each standing computed within its segment · bars are 0 to 100 · the accent bar is the product's own best reading

Standing by category

Every category where a model named Credit Sesame for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant
B2B credit management	Receivables and billing	0%	82 of 82	100%	3	under 10 labels · led by Tesorio at 16%

Movement

This is the first edition on this tier, so no move can be computed for Credit Sesame yet. From the next edition this section shows, per buyer segment, whether its share moved by more than the measured noise floor.

By model

How each model treated Credit Sesame across every prompt where it was named for a mid-market B2B company. Twelve models, six prompts per category.

Model	Negative	Labels
Claude Haiku 4.5	1	1
GPT-5.4 mini	0	0
Gemini 3.5 Flash	0	0
Perplexity Sonar	0	0
Grok 4.1 Fast	0	0
Mistral Small	0	0
DeepSeek V4 Flash	1	1
Llama 4 Maverick	0	0
Qwen 3.7 Flash	0	0
Kimi K2	0	0
GLM 4.7 FlashX	1	1
MiniMax M2.5	0	0

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct0 labelsNone

Paraphrase0 labelsNone

Comparative0 labelsNone

Budget-constrained0 labelsNone

Scale-constrained0 labelsNone

Negative3 labelsNone

First choiceAlternativeMentionNegative3 labels in all, every segment counted; 0 of the 0 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

No positive label carried a quote.

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“Credit Sesame earns an "F" rating from the Better Business Bureau and is not recommended for anyone serious about protecting their financial information” Claude Haiku 4.5 · B2B credit management · negative prompt · hard negative

“Consumer Reports investigated Credit Karma, Credit Sesame, Experian, myFICO, and TransUnion and found ... Privacy risks” DeepSeek V4 Flash · B2B credit management · negative prompt · soft negative

“Apps to be cautious about: Credit Karma, Credit Sesame, TransUnion Score & Report, myFICO, Experian Credit Report” GLM 4.7 FlashX · B2B credit management · negative prompt · soft negative

Named alongside

The products named in the same answers as Credit Sesame, over the 3 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Credit Sesame was named but was not.

ProductSame answerTook the first choice insteadHead to head

AnnualCreditReport.com2 of 31Not in the top three

Credit Karma2 of 30Not in the top three

TransUnion2 of 30Not in the top three

myFICO2 of 30Not in the top three

Credit Glory1 of 30Not in the top three

Equifax1 of 30Not in the top three

Experian1 of 30Not in the top three

Experian Credit Report1 of 30Not in the top three

Identity Guard1 of 30Not in the top three

Lexington Law / Progrexion1 of 30Not in the top three

A head-to-head page exists where both products are in a category's top three. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Credit Sesame. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, four of the twelve in this edition, so these counts come from 3 of the 3 answers that named Credit Sesame and are not a share of its labels.

Domains cited

consumerfinance.gov3

advocacy.consumerreports.org2

boncredit.ai2

consumerreports.org2

experian.com2

ftc.gov2

highradius.com2

4frontcu.com1

6abc.com1

ardmoreadvisors.com1

Eighteen of the eighteen domain citations in answers naming Credit Sesame came from somebody else's page.

Pages cited

boncredit.ai/blog/red-flags-when-choosing-ai-credit-tools-a-complete-safety-guide2

consumerfinance.gov/consumer-tools/credit-reports-and-scores2

consumerreports.org/credit-protection-monitoring/hidden-costs-of-credit-score-apps-a5900452

highradius.com/resources/Blog/top-credit-risk-management-tools2

4frontcu.com/blog/blog/2026/05/22/how-to-spot-credit-repair-fraud-and-build-credit-the-rig1

6abc.com/post/consumer-reports-investigation-credit-score-apps-karma/113058981

advocacy.consumerreports.org/press_release/cr-finds-credit-score-apps-can-come-with-hidden1

advocacy.consumerreports.org/research/credit-not-due-the-limitations-of-popular-credit-sco1

Pages are listed as the models cited them.

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Credit Sesame's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Credit Sesame, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

It does not get any change to labels, shares or verdicts, any preview, or any say over which quotes appear. A verification link goes to your work email; an address at creditsesame.com is approved on the spot, any other address is reviewed by hand.

Your name and company appear on the claimed page, or the company alone if you ask below. A title and a LinkedIn address appear there too if you give them, and are left off if you do not. Your email address is never published.