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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.Being years into paying down an auto or home loan, for example, makes a favorable impression on your credit score.

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If your credit-to- debt ratio (how much you owe compared to your available credit) is low, your credit score will benefit, since it illustrates that you don’t rely too much on credit.

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.

Aim for a variety of revolving and installment credit, like credit cards, a loan or open account (like a utility bill).

Though only a small influence on your credit score, a good credit mix means you can juggle those accounts and keep them in the air – financially speaking, that is.

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