12/27/2023 0 Comments Free credit reportUnder the Fair Credit Reporting Act (FCRA), you are entitled to get a free copy of your credit report from each of the three big credit reporting agencies (Equifax, TransUnion, and Experian) every 12 months. You may accidentally sign up for paid credit monitoring just by using a company’s website. There are a lot of websites that seem to offer free credit reports, but you have to be careful. Having a copy of your credit report also helps to protect you against identity theft because the report will allow you to see if someone has used your personal information to open an account in your name. Getting a copy of your credit report allows you to make sure the information used by these companies is accurate, complete, and up to date. Credit reports can affect whether you can get a loan and how much you have to pay to borrow money. However, judgments are public records a lender can still search and find these.Ĭredit reports are important because they are used by creditors, insurers, employers, and other businesses to evaluate your applications for things like credit cards, insurance, employment, or renting a home. Generally, judgments are not reported to the Credit Reporting Agencies. Why it’s important and how to get a free copy of your report.Ī credit report provides information about where you live and how you pay your bills, and whether you filed for bankruptcy.
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