What is the difference between upgrading now vs later?

If you decide to upgrade your Sesame+ 1B plan to a Sesame+ 3B plan, you have the option to upgrade now or later.  

Upgrade Now

Gain immediate access to your premium report with data from all three bureaus (TransUnion, Equifax, Experian). You would pay the difference in the upgrade price now, and future billing cycles will continue at the Credit Sesame+ 3B price. 

Upgrade Later

There will be no immediate payment and instead your plan change will be scheduled for the next billing cycle, after which your subscription will renew with the Credit Sesame+ 3B price and access to the upgraded premium report.