Should I buy a credit report?
Everyone knows about the possibility of credit fraud and identity theft so what are we doing about it. There are some programs out there that offer to monitor your credit reports and require that people from whom you are requesting credit call you prior to extending the credit in order to ensure that you really are the person requesting the credit. But are these programs really necessary?
Many companies also allow you to purchase you credit report from them to ensure that there are no surprises on the report. However, if you know what’s going on, you can get this information without spending the extra money.
https://www.annualcreditreport.com/cra/index.jsp
This website allows people to request a free credit report from all 3 credit bureaus once a year. The time you can get the report depends on which state you live in so check out the website so that you know when it is free for your state.
Also, if you have been denied credit you can request a free report directly from the credit bureaus to ensure that there is no false information on your report. You can also get a free report if your wallet or purse was stolen.
There are many options and many ways to monitor your credit without paying extra.
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