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How to get a Real FREE Credit Report

With credit scores becoming a 'crucial' element in not only establishing interest rates, but becoming the deciding factor in your ability to purchase a home these days it is more important than ever to make sure yours is perceived in the best possible light.  That being said the wise buyers will tackle their own credit reports and correct any inaccurate information, removing any tarnishes beyond their dates, disputing any questionable claims etc. to improve their score to the highest possible in preparation of those casting judgement.

When you check your credit score routinely you are also checking for any new accounts that may have been opened without your permission.  You are in essence protecting yourself from identity theft without having to pay some company for this service.

Illinois in addition to numerous other states mandate that you are entitled to a free credit report from all three credit reporting agencies once a year.  If you would like to be proactive in dealing with your credit the solution is rather simple. Request a free report every four months from a different agency each time.  There are three credit reporting agencies - Experian, Equifax & Trans Union.  The reports are very similar to each other but sometimes do contain different information about you.  Simply request a report from a different reporting agency every four months and you'll be set for life.  To ensure you're not charged, make sure to stick with the SAME ROTATION when requesting the reports. (one request per agency per year) 

You can access all three agencies through this link.   To obtain your truly free credit reports - go to:  http://www.annualcreditreport.com/ I urge you to be proactive.

Be aware however, there are numcerous sites out there that prey on your less than perfect typing ability.  One seemingly insignificant keystroke could land you on a different site that actually charges, yet they call themselves free.

Good Luck in staying on top of your credit. 

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