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Check Your Credit Report Annually

Check Your Credit Report Annually

January 12, 2023

One of the best ways to protect the security of your most important data, and to help ensure lenders are seeing your best credit score, is to check that all of your financial information is up to date and accurate.

It’s easy. The 3 major credit bureaus are required by law to provide one free credit report every 12 months. And ever since 2020 (due to COVID) they've agreed to make these reports free, up to weekly!

Simply use this form or go online at www.annualcreditreport.com. Be sure to use one of these two methods, as this is the only service endorsed by the federal Consumer Financial Protection Bureau (CFPB) agency.

Here are items to review:

  • Are there any new accounts opened that you don’t recognize?
  • Do the addresses and phone numbers reported reflect accurate information?
  • What third parties have requested your credit report?
  • Are there any errors in activity that need to be disputed

Factors in your credit report will, in turn, impact your credit score, which is one way lenders evaluate your ability to repay loans, such as for a new car or home.

View a sample report here.

Want to learn more about credit reports and how to use them? Check out this article by U.S. News. 

Have questions? Don’t hesitate to call us at (877) 568-7526 or email us at team@planningforgood.co 

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