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Free Annual Credit Report

Posted by 4love2love on June 12, 2011

For those who aren’t aware, every 12 months you can request a free copy of your credit report. Forget the free credit report commercials that take you to a site that wants you to pay for their services, this is a legitimately free report from the 3 main credit reporting agencies; Equifax, Experian and TransUnion.

These are the 3 primary agencies responsible for keeping track of your credit score and history. At any time, you can challenge anything in your credit report to try to get it wiped off and improve your credit score, as well as watch out for signs of fraud or identity theft, a big problem in this country today.

These reports are essential to anyone who plans on ever buying a car, a house, or even applying for some jobs, as well as some apartments or houses for rent. You’d be surprised how many places check credit reports these days. Making sure your credit score is good and accurately reflects on your bills, payment history and so on helps ensure that you are not the victim of fraud or identity theft.

So, to get your free annual credit report, please go to : 

https://www.annualcreditreport.com 

This is the proper site for getting your credit report free every 12 months.

Also, a note to you that are challenging items in your report. It is best to do it during tax time, when places are too busy to look for the physical copy of your bills or statements and items will be dropped. As well as doing it during tax time, watch for anything over 7 years old. Anything over that age is not supposed to show up on your credit report unless you were sued or have filed bankruptcy. I generally challenge anything over 4 years old, which helps increase the likelihood that some things will be taken off your report that are negative. Never challenge anything positive, only negative items and if you see fraudulent activity, report it to the police immediately, have your credit cards cancelled and issued new ones, change your bank account and notify all credit reporting agencies of identity theft.

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