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By law, consumers are entitled to one free credit report per year from each of three reporting agencies. Depicted in the website screenshot above, is the official site to help consumers obtain that free credit report.

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Myths, misperceptions about credit scores rampant

A poor credit score can make it hard to get a mortgage, a new car or a decent interest rate on a credit card. Yet 42 percent of those polled in a recent Visa Inc. survey never bother to check their score.


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