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Where can you get a credit report?

April 10, 2013 by · Leave a Comment 

I am often asked about where you can obtain a credit report. There are MANY places and most will have a charge associated with the report. The only one that I am aware of that is free is at http://www.annualcreditreport.com This site is actually sponsored by the three bureaus-Equifax, Transunion, and Experian. It is my understanding that the “annual credit report” free option doesn’t provide a three bureau score unless you pay a fee, but they do show how the trade lines are reporting. So, you can monitor if things are being reported correctly. I recently took a look at my own report and DID find an incorrect reporting that I have subsequently had them fix. There are other sites such as http://www.identitymonitor.citi.com/ or http://www.Myfico.com These other two options mentioned will provide a three bureau score for a charge. The “identity monitor” has a 30 day trial for $1, so that may be all you need. I am not endorsing any of these products or services and I am sure there are many others that you could investigate as well. It is very wise to review your credit annually, as you may find that your credit score has been lowered by the reporting of incorrect information. Credit scores will have a direct bearing on your ability to obtain a loan and hence purchase a home or investment property.

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