I was browsing Dave Ramsey’s website and came across AnnualCreditReport.com. I’ve seen so many gimmicky ads on television promising access to a free credit report, but the fine print reveals that they all have strings attached, like “Offer involves enrollment in . . . ” so the report is free but the attached strings are not.
Luckily, we all get access to our credit report for free as stipulated by government regulation. You are entitled to one report each year and the big three credit bureaus will allow you access to yours annually. Enter Annual Credit Report. It is recommended by Ramsey because it truly is free, with no strings attached, and works with the credit bureaus directly. TransUnion, Equifax, and Experian are the three credit reporting agencies that hold the keys, as the gatekeepers, to what your credit report is made up of, and thus the determination of your FICO or credit score. You’ll still have to pay (about 8 bucks) for your actual score, but if your report is good and clear, then your score will be good, no matter what the actual number is.
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