Don’t depend on credit providers to tell you what is in your credit file and don’t assume you have bad credit. It is up to you to make sure your credit file is accurate. Check it at least once a year. Avoid “Credit Repair” companies that charge fees to provide a quick fix. It usually is a waste of good money. Beware of companies who claim they can "fix" or "remove" accurate issues for a fee: it is legally impossible to alter an accurate credit history.
You are entitled to receive a free copy of your credit report once every 12 months. Order yours online from annualcreditreport.com or call 1-877-322-8228. You will need to verify your identity with your name, birth date, address and Social Security number. In addition, you may receive and monitor your credit scores for free via creditkarma.com
Your score impacts what you pay for many things in life. Your score can impact employment, insurance, interest rates and many other areas of life. Learn More About how your score is determined
We know LIFE Happens. So there is help available when you’re struggling financially. If you think you’re falling behind in payments, credit counseling resources are available at little or no cost.
National Foundation for Credit Counseling
American Consumer Credit Counseling
The Federal Trade Commission
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