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Getting a Free Copy of Your Credit Reports

Get a free copy of your credit reports. These reports are prepared by companies called credit bureaus. They summarize your history of paying loans, credit cards and other bills. If you apply for a loan, insurance or a job, or you want to rent an apartment, chances are your credit report will be reviewed.
One reason you should be monitoring your credit reports is to correct errors or omissions that can leave bad marks on your credit history. Inaccuracies in your credit report can needlessly reduce your "credit score" and, in turn, may cost you hundreds of dollars each year due to higher interest rates on a loan or credit card. Another reason to review your credit reports is to protect against identity theft.
Under federal law, you are entitled to one free credit report every year from each of the nation's three major credit bureaus. To order your free reports or for more information, go to or call toll-free 1-877-322-8228.