The main difference is the amount of information provided in the free yearly credit report that you get every year as part of the fair credit reporting act.
The 3 credit reports you can get every year come from Trans Union, Equifax, and Experian.
They will typically do a hard credit inquiry, which can lower your score slightly, compared to a soft credit pull that is usually done to just view your credit report.
If you are applying for a mortgage to buy a new home or you want to lease a new car, the lender who is providing you the loan will then pull your credit report in order to determine if you are eligible for a loan, also known as your creditworthiness.
Do you site on the timely or late side paying your bills? How many loans have you successfully paid off in full?
Your payment history makes the biggest impact on your FICO score.
For example, if you apply for several credit cards at once, several credit inquiries will appear on your report.
A free Credit Sesame account utilizes information from Trans Union, one of the major national credit bureaus.
Upgrade to a premium Credit Sesame plan for credit report info from all three bureaus: Trans Union, Experian and Equifax.
With full access to your credit history from each bureau, you’ll have a complete, comprehensive look at your credit activity.
The annual free credit report that you get from the major credit bureaus is different from the free credit report card that Credit Sesame provides its users.