American consumers are allowed to check their credit annually from the three major credit reporting agencies: Experian, Equifax, and TransUnion. What most people make the mistake of doing is checking all three at once. It is wise to take advantage of this free annual service by spacing out credit checks over the course of the year, as a consumer can keep a closer eye on his or her quarterly credit reporting.
First, be sure to use an authorized credit repor...
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