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Becoming an informed consumer means doing a regular credit check so that you can see what all these other people are seeing.

If you’re preparing to apply for a mortgage, auto, or other loan, get a credit card, rent an apartment, or compete for a new job, it’s valuable free credit reports annual Rapid City to check your credit report beforehand so that free credit reports annual Rapid City you can fully understand your financial picture. Even free credit reports annual Rapid City if you’re not seeking to meet these goals, it’s still important to get your annual credit report so that you understand free credit reports annual Rapid City how credit can affect you and your household. Sometimes emergencies come up and you need to get free credit reports annual Rapid City credit straight away – it’s best to know where you stand before that occurs.

Checking your credit helps you figure out what accounts to keep and which ones you close. credit score report free Once you get your free credit score, you can do the calculations to decide which accounts are helping – and which are hurting. Doing a credit check may be particularly helpful before making a major life free credit reports annual Rapid City change such as getting married. When you get married, free credit reports annual Rapid City elements of your credit history can mingle with free credit reports annual Rapid City those of your spouse – it’s important for both of you to understand free credit reports annual Rapid City the good, the bad, and the ugly of each other’s financial histories before you say “I do.” Under the Fair Credit Reporting Act (FCRA), each of the major nationwide credit reporting bureaus -- Equifax, Experian, and TransUnion free credit reports annual Rapid City – must provide consumers with a free copy of free credit reports annual Rapid City their credit reports every 12 months. mycreditreport These three bureaus collect and disseminate consumer credit information that is then used to compile your credit report. Also known as consumer reporting agencies, these bureaus have databases containing consumer credit reports, which are meant to evaluate an individual or corporation’s creditworthiness. Credit bureaus collect financial data, personal information, and alternative data such as payment histories from utility firms, telecommunications companies, rental payments, and electronic payments. Credit bureaus receive free credit reports annual Rapid City their information from data furnishers such as lenders, creditors, debt-collection agencies, utility companies, and courts providing public records. These data furnishers report their payment experience free credit reports annual Rapid City with a consumer to the bureaus, who in turn aggregate this information and report it on the consumers’ credit reports. As part of the FCRA, the three bureaus have set up a central website that allows consumers to order their annual credit reports. 3 free credit reports and scores That site, www.annualcreditreport.com, lets consumers order all three reports from Equifax, Experian, and TransUnion at the same time, or to order each report individually over time.