Everyone is entitled to a FREE annual credit report from the primary credit reporting agencies. Reviewing these reports on a regular basis allows people to spot errors and verify what is being reported to creditors. It also helps to prevent fraud.
The official web site for this truly FREE request is www.annualcreditreport.com. People may request a free report from each of the 3 agencies every 12 months. You may also request a credit score at a nominal charge, but this is not required.
Since there are 3 different credit reporting agencies and you can only get 1 report from each per year, I recommend my clients request one report from each company every 4 months. This allows the company to make any changes needed with time for them to be reflected on the next requested FREE report from one of the other companies. Four months after the 3rd report is received, you can request a report from the 1st company again since 12 months will have passed. Staggering requests for FREE credit reports in this manner provides a snapshot of an individual's credit standing on 3 occasions throughout each year.
Scott F. Soape
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