Everyone is entitled to one free credit report from each of the three major credit bureaus: Experian, Equifax and Trans Union. But be careful because there is only one place explicity directed by the United States government to provide them: AnnualCreditReport.com. Other sites claim to provide this for free, but you better read the fine print. Annual Credit Report is the official source.
In our heightened state of uneasiness about corporate data breaches and increased identity theft, it's a very wise thing to do. Data security aside, it's always a good idea to periodically check your personal credit because credit issuers do occasionally make honest mistakes. Keep in mind, however, that not every credit issuer reports to all three bureaus, so you may have legitimate accounts that appear on one but not the others.
AnnualCreditReport.com provides instructions on what to look for and how to settle disputes, as well as a number of frequently asked questions.
If you haven't ordered your free annual reports, do it today!
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