Don’t Forget Your Free Credit Report
I always do this post at the end of the year as a quick reminder for my readers to check their credit report before the end of the year. Every year the government gives you a free credit report check so you can make sure there are no fraudulent inquiries on your record.
I do it for my family every year because identity theft can make your life miserable. When you run the check, you can get a report from the top three credit agencies: Equifax, TransUnion and Experian. While the credit report is free, you do not get access to your Fico score. To check your fico score, it’s a little extra but well worth the cost. If you do see something on your report that doesn’t belong, you can report it to the credit agencies and follow their process to get it removed.
The government extended the new home buyer tax credit and interest rates are still pretty low. It’s important to know your Fico score because this score determines what your interest rate will be if you plan on getting a loan. If you have good credit and you know your score, you can negotiate better rates than those who don’t.
You can get your 30-day free credit report by visiting annualcreditreport.com or call 1-877-322-8228.
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