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Why and How to Get a Free Copy of Your Credit Report

Why and How to Get a Free Copy of Your Credit Report

April 25, 2022
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Why 

There are two main reasons to get a copy of your credit report. First, there may be an indication on your report of identity theft. Check to see if someone else requested a new credit card or a loan under your name. If you find unauthorized requests on your report, take the steps necessary to protect yourself. Steps include, but are not limited to, freezing your credit, changing your passwords, and possibly changing your bank account.  

The second reason to check your credit report is because there may be errors on the report that could impact you negatively when applying for a mortgage, a car loan, or a new credit card. If this is the case, call the credit agency (numbers are below) and ask how to correct the error. 

How 

Everyone is entitled to one free credit report annually from each of the credit agencies. That is, you can get three credit reports every year. We recommend obtaining at least one free credit report every year and rotating among the three agencies. You can obtain your free credit report by: 

Go to www.annualcreditreport.com 

-OR- 

Contact each agency separately: 

Experian 800-525-6285

Equifax 800-846-5279

TransUnion 877-322-8228

This is one step in taking control of your financial security.  If you have any questions or want our assistance, please contact your Wealth Advisor.