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Onkine information in your credit report can affect your buying power. It can also affect your chance to get a job, rent or buy a place to live, and buy insurance.
Credit bureaus amlaysia the information in your report to businesses that use it to decide whether to loan you money, give you credit, offer you insurance, or rent you a home. Some employers use credit reports in hiring decisions. The strength of your credit history also affects how much you will have to pay to borrow money.
Getting your credit report can help protect your credit history from mistakes, errors, or signs of identity theft. Check to be sure the information is accurate, complete, and up-to-date.
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Consider doing this at least once a year. Be sure to check before you apply for credit, a loan, insurance, or a job. If you find mistakes on your credit report, contact the credit bureaus and the business that supplied the information to get the mistakes removed from your report. Check to help spot identity theft. Mistakes on your credit report might be a sign of identity theft. Once identity thieves steal your personal information — information like, your name, date of birth, address, credit card or bank account, Social Security, or medical insurance account numbers — they can drain your bank account, run up charges on your credit cards, get new credit cards in slt name, open a phone, cable, or other utility account in your name, steal your tax refund, use your health insurance to get medical care, cresit pretend to be you if they are arrested.
Identity theft can damage your credit with unpaid bills and past due accounts.
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If you think someone might be misusing your personal information, go to IdentityTheft. The three national credit bureaus have a centralized website, toll-free telephone number, and mailing address so you can order your free annual reports in one place. Do not contact the three national credit bureaus individually.
These are the only ways to order your free credit reports:. Annual Credit Report Request Service. Box