Do you know who has been looking at your credit lately? Have you looked? Even more important, did you know that the three national credit bureaus are required by Federal Law to give you a free report once a year?
By going online to www.annualcreditreport.com, you can request one free copy annually. Be aware that at AnnualCreditReport.com, you will pay a nominal fee for your credit score which you may not need for a basic overview of your accounts. You can also contact the agencies separately: Equifax, Experian and TransUnion. All will offer you other services which you do not need for a basic check. “But, why do I go to this trouble?” you might ask.
Credit reports show who you owe, how much you owe, where you live and how timely your payments have been. By seeing for yourself what everyone else you want to buy from is seeing, you can correct any errors, cancel credit cards you don’t use, and see who else has requested a credit inquiry on you.
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