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Most American's do not understand, have never noticed or don't care they are entitled to a "free credit report" annually.

Why is it vital for you to receive your free credit report?

www.freecreditreportgov.co - Should you never check your own credit history, you have no idea, if or what, inaccuracies are present. There may be entries that determine your interest rates on credit cards and unsecured loans, may have a significant effect on your own ability to get credit, and could prevent you from obtaining a job. If inaccuracies exist, under federal law, you possess the right to get them corrected.

In the event that you discover your report contains erroneous information, it must be corrected by the agency.

If an item is incomplete, it must be completed by the agency. Bankruptcy normally remains on your own report ten years.

If your file shows an account that belongs to another individual, one not authorized on your account, the agency must delete it.

There's only one web site authorized under the law to manage and give you the free annual credit report application... annualcreditreport.com. Several other websites, attempting to benefit from the law, promise to offer, "free credit reports." The buyer has to be mindful; these businesses aren't part of the application.

If you do not need credit monitoring, you don't have to sign up for it to get a free report. These companies provide a service for which they're making a fortune luring consumers to their website under the premise of receiving free reports. They will give a free report to you, but you have to provide your private details to all and register for their service to get one.

If you do not need credit monitoring, and you must pay a monthly price to obtain a free credit report, it is not free.

To obtain your free report, see annualcreditreport.com. By law, they're required to provide free annual credit reports only through annualcreditreport.com.

You do not get your own credit rating, it's about $8.00 and may be obtained from the reporting credit agency. It's not a part of your free credit report. Depending on your report, you can decide if you need to buy your credit score.

Most important, you will know where you stand in terms of your credit worthiness in planning your future credit health and present.