Credit Questions

Why is my credit score is incorrect?

Credit Sesame pulls your credit data, including your credit score, directly from TransUnion. The information that we provide to you in some cases may not match exactly what you've seen on other sites or informa...

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Why is my credit score important?

Credit scores are increasingly being used to evaluate the level of risk that you present as a customer. Credit scores are not only used on credit card and loan applications. These days many different types of b...

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My credit score does not match the score that my bank provided me. What's the deal?

There are several reasons why the score your bank is using and the score in your Credit Sesame account might differ: your bank might use a different credit scoring model your bank might use a different cre...

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What is a credit score?

Credit scores use the data from your credit report to deliver a 3 digit score that represents how much risk you present to a prospective lender. Banks use credit scores, in addition to other factors, to help de...

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How do I dispute an error on my credit report?

Disputing Credit Report Errors The credit data in your Credit Sesame account is provided by TransUnion. If you believe that you may have an error in your TransUnion credit report data, we recommend that you dis...

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I paid off an account. Why is it still on my credit report?

Once you pay off a loan or credit card, it can take up to 30 days for the bank to report your updated balance to the credit bureau. It can take additional time for that updated information to make it's way int...

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I have credit cards or accounts on my report that are not mine. How can I fix that?

The credit data in your Credit Sesame account comes from your TransUnion credit report. Credit Sesame cannot remove inaccurate data from your TransUnion credit report on your behalf. If you don't recognize an a...

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How do I remove an account or negative remark that has been paid off or resolved?

How do I remove inaccurate information on my credit report? The credit data in your Credit Sesame account is provided by TransUnion. If you believe that you may have an error in your TransUnion credit report da...

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Why is my credit score important?

Credit scores are increasingly being used to evaluate the level of risk that you present as a customer. Credit scores are not only used to on credit card and loan applications. These days, employers, insurers, ...

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What is credit utilization?

Your credit utilization or usage ratio compares your credit card outstanding balance to your credit card credit limits. Your credit score generally improves as your credit utilization ratio falls. Typically you...

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