The short answer
A charge from CREDIT SESAME* PREM corresponds to a premium credit monitoring or Sesame Ring subscription from Credit Sesame, Inc.
Why it shows up like this
If you notice CREDIT SESAME* PREM on your bank or credit card billing statement, the charge comes from Credit Sesame, Inc. While Credit Sesame provides free credit monitoring and TransUnion score updates, the company also markets paid tiers under Credit Sesame Premium Credit Monitoring and Sesame+. These memberships provide tri-bureau credit reports, daily bureau refreshes, and identity theft insurance coverage. Because many users register for the free service initially, a subsequent billing descriptor can catch account holders off guard.
This charge appears because a user authorized a paid subscription plan, usually priced between $9.95 and $19.95 per month. The most common trigger occurs when a free trial period, such as a 7-day or 30-day preview of premium reporting tools, expires and automatically converts into a recurring monthly charge. It can also occur if someone upgraded within the mobile app while checking their credit score or reviewing pre-approved lending offers.
To check the status of your membership or cancel recurring charges, sign in to your profile at creditsesame.com or open the Credit Sesame mobile app. Open Account Settings and go to the Subscriptions section, where you can downgrade back to the standard free tier without losing your credit history records. If you never created an account with Credit Sesame, your card data may have been used without authorization, so reach out to their customer support portal and notify your card issuer promptly.
Common reasons for this charge
Unexpected charges typically happen when a trial period finishes without manual cancellation. Members also trigger billing by tapping in-app upgrade prompts while viewing detailed three-bureau credit reports.
- A free trial of Credit Sesame Premium or Sesame+ upgraded to a paid monthly plan.
- An automatic monthly renewal for daily credit report monitoring.
- An in-app upgrade was selected while reviewing credit score changes.
How to locate the invoice and cancel
- Log in to Credit Sesame Open creditsesame.com or launch the mobile app and log in.
- Go to Subscription Settings review to Account Settings > Subscriptions.
- Downgrade to Free Click Cancel Subscription to downgrade to the free monitoring service.
Frequently Asked Questions
Will canceling Credit Sesame delete my credit score account?
No, canceling Premium simply returns your account to the free tier with single-bureau monthly updates.
Can I receive a refund for an accidental renewal?
Credit Sesame generally does not provide partial refunds for monthly billing, but you can contact support to request a courtesy refund if billed in error.
Dispute Rights & Fraud Prevention
If you did not sign up for Credit Sesame, review your credit card statements for any additional unfamiliar recurring charges.
Dispute unauthorized transactions with your bank under the Fair Credit Billing Act within 60 days of the statement date.
How do I report an unrecognized Credit Sesame charge?
Submit a support ticket at help.creditsesame.com or contact your card issuer if your card details were compromised.
How long does a charge dispute investigation take?
Your card issuer must resolve the dispute within two billing cycles, not exceeding 90 days from notification.
Independent reference — not affiliated with Credit Sesame, Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Credit Sesame Terms of Service https://www.creditsesame.com
- CFPB: Monitoring Credit Scores and Reports https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges