The information on your credit report is used to evaluate your applications for credit, isurance, employment or renting a home. Make sure this information is updated and, most importantly, accurate.
The three major reporting agency are Equifax, TransUnion, and Experian and you are entitled to one free report per year from each of these agencies. This is where it gets a little tricky! Your credit report is only truly free from AnnualCreditReport.com while sites such as www.freecreditreport.com will ask for your credit card number and automatically enroll you in their "Triple Advantage Credit Monitoring" for $14.99 per month. Should you fall for it, you have 9 days to cancel the credit monitoring before you are being charged.
You may request your report from AnnualCreditReport.com by phone, by mail or directly through the website, which has detailed information on how to obtain your credit report by mail or by phone.
No matter how you request your report, you have the option to request all 3 reports seperately or all at once. Requesting them seperately allows you to monitor your credit more frequently throughout the year.
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