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Where To Get Your Free Annual Credit Report

All consumers are entitled to a free credit report every 12 months. Some states, including Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey,  and Vermont have state laws that make residents eligible for a free credit report under state law. Additionally, all consumers who have been denied credit have a right to request a copy of their credit report for further review. Credit reports can also be requested with a credit score rating at any time for a fee from the 2 major credit reporting agencies, Equifax and TranUnion. Recently, the third agency, Experian, has stopped providing consumers with access to their reports.

When To Get A Free Report

Consumers are entitled to receive one free credit report for each agency every year. It might be wise to order one, work to improve your credit and then order the subsequent reports a few months later to see what has changed. You can also order all reports at the same time to compare, since neither report will show the exact same information.

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