The credit reporting agencies are now required to provide you with a free copy of your personal credit report upon request (up to once a year). It’s a great idea to check your credit report every year because you can spot mistakes, identify credit rating issues, and catch fraud or identity theft. To check even more often, spread the three reports available over the course of a year by checking just one at a time instead of all three at once.

The free report does not include your credit score, which you can purchase for $5 to $8 depending upon which agency you buy it from.

To obtain your free reports, go to http://www.annualcreditreport.com/.

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