Receive 3 Free Credit Reports Each Week
Due to the recent hardships caused by COVID-19, the three major credit bureaus – Experian®, Equifax® and TransUnion® – announced they are offering free credit reports to all Americans weekly through April 2021. Previously, you were entitled to one free credit report from each bureau per year, but that has been increased to protect financial health.
To get your free credit reports from each bureau:
- Go to AnnualCreditReport.com
- Click on “Request your free credit reports”
- Fill out one form to request up to three copies of your credit report
- Choose which reports you want (Experian, Equifax or TransUnion)
Answer several questions to verify you are the correct person to be accessing your report, and then submit your request. You will need to do this step for each credit report. Your free annual credit report includes all accounts opened under your name as well as the actions you have taken, such as balances and payment history. However, it does not include your credit score. If you want access to your free credit score, consider alternative services provided by credit card issuers.
Keep an eye out for common credit report errors and signs of fraud when checking your credit report, such as:
- New accounts that you did not open
- Identity errors (wrong name, phone number or address)
- Incorrect reporting of account status (late payments when you have paid on time, closed accounts reported as open or being listed as the owner of an account when you are just an authorized user)
- Data management errors (reinsertion of incorrect information after it was corrected)
- Balance errors (wrong current balance or credit limit)
If you notice any errors, dispute them as soon as possible.
Source: cnbc.com
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