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One of the most important things that you can do to maintain an accurate credit score and report is to request a copy of it on a regular basis. Your financial viability and reliability are encapsulated in credit reports, most lenders report the standing of your accounts to these agencies regularly. By requesting a copy of your credit report every year or even every six months, you can determine if all the information in the report is accurate, and if not be proactive to change it. It is worth keeping in mind that your credit scores are now used for an array of purposes other than obtaining credit. There are many times when your credit score can dramatically impact your life. Credit reports are frequently obtained by companies, as a condition of employment. Insurance companies also review credit reports to determine your insurance rates. The point is that your credit score can have far reaching effects upon you. This is how you can get a free credit report. Keep in mind, that you do not have a single credit report, but rather three of them. from the three independent credit reporting companies. Most of the time these reports do not vary widely, however, there are cases when the do. This is the reason it is imperative for you to obtain a report from all three credit agencies. The major credit reporting agencies are Trans Union, Equifax, and Experian. The good news is that each of the credit reporting agencies is required to give you a free report at least once annually. For those of us who need their credit report more often than once a year, a fee is levied. These reports are easily obtained by visiting the agencies on the internet or contacting them via telephone. It is crucial that you obtain your free credit score on a regular basis so that any anomalies can be rectified. Credit report errors can have an adverse impact on your obtainment of a loan or job. Errors or problems on with your credit score may impact your ability to obtain employment and cause you to pay more for insurance. If you are planning on making a large purchase it is always a good idea to view your credit report before making your purchase. In cases where you suspect that someone has stolen your identity, obtain your credit report as soon as possible. To mitigate the damage caused by identity theft, contact the credit agencies and ask them to mark your account so that any new requests for credit will require identity verifcation. You can insure that your identity has not been compromised by regularly checking your credit report for irregularities. To find out more about how you can check your credit,visit us at: credit score range
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