How accurate are the credit scores provided by Credit Sesame?

Credit Sesame provides consumers with an estimated credit score based on the VantageScore model. This model is a legitimate scoring system developed by the three major credit bureaus—Equifax, Experian, and TransUnion. Credit Sesame's accuracy depends on the availability and freshness of the credit data used to calculate the score. Generally, it offers a ballpark figure of one's credit health, rather than the exact score a lender would see. Lenders often use FICO scores for credit decisions, which can differ from VantageScore calculations. Consequently, while Credit Sesame's scores are usually accurate within the context of the VantageScore model, they should not be solely relied upon for precise credit assessments by potential lenders.