Keeping the “Free” in Free Credit Report

There is no reason to join an annual service or pay a monthly fee if all you want is to look at your credit report once a year. If you do have an ongoing need for monitoring your credit report, investigate one of the banks or credit card issuers that offers the service as part of a package deal. At the very least, you should arrange to get hold of your free credit report at least annually, if only to check for erroneous reports and misuse of your accounts or identity.

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