Free Credit Report


We've all been told that it is important to check our credit report several times a year to make sure that our identity has not been stolen and used by someone else. You can get your free credit report here.

Check your credit report at least once a year. It's a credit healthy thing to do and there are several reputable companies to get your report from for free. Creditors determine whether to give you credit or a loan—and how much you will pay—based on information in your credit history. The consumer reporting companies collect information from your creditors about how many credit cards and loans you have and how many accounts are late, overdue, or in collection. They sell information in your file to creditors who determine if you'll get a loan and how much interest you'll pay on a credit card. This information can even be used to decide if you get a job, new cell phone service, an apartment lease, or car insurance.

You can get a report from Annual Credit Report by visiting their site or by calling 1-877-322-8228. You can also use Free Credit Report.

Important advice:

Know that there are imposters that use web site names that are extremely similar to the real “free” web site.

  • Don’t open emails or click on pop-ups that offer a free credit report. This could be a scam to steal your personal information.
  • Never give a credit card number for a “free” credit report.
  • You don’t have to purchase anything to get a “free” credit report. Many supposedly free credit reports will cost you money. Information taken from and further information available at AARP

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