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Free Credit Report
You might be able to get your
credit report free or pay $15 or something in between.
The cost depends on why you're asking for your credit report, where you live, and whether you order by phone, online or mail.
If a company denies you credit, insurance or a job because of something in your credit report, that company has to tell you which
credit bureau provided the information. You are entitled to a free credit report from that bureau within 60 days of being turned down.
You can request your free credit report by phone or mail, and just must mention that you were denied credit, insurance or a job. The credit bureau will check to see if it indeed provided information to the creditor, insurance company or employer that turned you down.
You also are entitled to a free credit report if you are on welfare, are unemployed and plan to look for a job soon, or your credit report is inaccurate due to fraud -- in other words, because someone stole your identity.
Recently, under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the FCRA passed in 2003, consumers are now able to receive one free credit report a year. The free report can be requested by telephone, mail or through the government authorized website annualcreditreport.com. [Source: BankRate,
Wikipedia]
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