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A free Credit Sesame account utilizes information from Trans Union, one of the major national credit bureaus.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.You can figure out your utilization rate by dividing your total credit balances by your total credit limits.Your payment history makes the biggest impact on your FICO score.The first thing any lender wants to know is if you’ve paid your credit accounts on time.

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