A free Credit Sesame account utilizes information from Trans Union, one of the major national credit bureaus.
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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.
Do you site on the timely or late side paying your bills? How many loans have you successfully paid off in full?