Tip of the Week: Get in the Habit of Checking Your Credit Report

The Fair Credit Reporting Act guarantees each person free access to a credit report from each of the three credit bureaus (Experian, Equifax, and TransUnion) every twelve months.  It is generally good practice to periodically check your credit report to make sure it is accurate and that there are no suspicious, fraudulent, or unauthorized activities.  In another month, we are hitting a four-month mark in the year 2010.  If you have not ordered a credit report yet, now is the perfect time to do so.

One option is to order all three reports at once so you can compare them.  Another plan would to be alternate every other year between spreading your credit reports throughout the year and requesting all three at once so you can get the best of both worlds.  And remember to get your credit history from AnnualCreditReport.com, because it is the only source authorized by the Federal Trade Commission to provide free credit reports to consumers.

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