One of the common topics in personal finance is the importance of checking your credit report for errors. Credit reports are notorious for having errors and the most common credit report errors include listing accounts that aren’t yours, including personal information that is misleading or completely wrong, and attributing negative items, like accounts being in collections, to you. These are all detrimental to you on a number of levels and the only way you can fix this is by disputing it. The only way to find out if you have these errors is to review your credit report. Until the Fair Credit Reporting Act, you had to pay the bureaus to see your report (see how the bureaus had little incentive to get your information right?), but now you can get it for free once a year.
The site everyone talks about to get your reports for free is Annualcreditreport.com, but is the site legit? Could it be a scam?
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