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Do-It-Yourself
Check-Up:
Even if you don't have a poor credit history,
it's a good idea to conduct your own credit check-up, especially if you're
planning a major purchase, such as a home or car. Checking in advance on the
accuracy of the information in your credit report could speed the
credit-granting process.
You're entitled to one free report a year if you can prove that (1) you're
unemployed and plan to look for a job with 60 days, (2) you're on welfare, or
(3) your report is inaccurate because of fraud. Otherwise, a credit bureau may
charge you up to $9.00 for a copy of your report.
Credit bureaus usually are listed in the yellow pages of your telephone book
under "credit reporting agencies." Three large national credit bureaus
supply most credit reports: Equifax, Experian and Trans Union. You may want to
contact each of them for a copy of your report.
Trans Union
1-800-916-8800
www.transunion.com
Equifax
1-800-685-1111
www.equifax.com
Experian
1-888-EXPERIAN (397-3742)
www.experian.com
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