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Your annual credit report is now available weekly. And it’s still free.

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The three national credit reporting agencies—TransUnion, Experian and Equifax—are required by federal law to provide you with a free annual credit report. In fact, AnnualCreditReport.com was created by the credit reporting agencies as a one-stop-shop to provide you with your annual credit reports.

In response to the COVID-19 health crisis, TransUnion is pleased to offer you one free weekly credit report online through April 20, 2022 at AnnualCreditReport.com. Reviewing your credit reports regularly helps you ensure the information reported is accurate. It also gives you an opportunity to monitor your account history to combat identity theft.

You have more than one credit report.

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When you order your free TransUnion credit report, you’ll also have the option to order your free Equifax and Experian credit reports. The information in these reports can differ, so it’s good practice to review all three. For example, some lenders choose to report account data to only one or two credit reporting agencies, not all three. Or, when you apply for a loan, a lender may only pull your credit report from one credit reporting agency, which would result in a hard inquiry on your credit report from that agency only.

What should I look for in my credit report?

When reviewing your credit report, check that all the information listed is up-to-date and accurate. Here’s a brief breakdown on the kinds of things to verify within each credit report:

  • Personal Information: Social Security number, name and address
  • Credit Information: credit accounts, credit limits, loans, balances and payment history
  • Inquiries: everyone who has reviewed your credit report in the past 2 years
  • Public Records: bankruptcies, which can stay on a credit report for up to 10 years

How do I fix inaccuracies on my credit report?
If you see something on your report that you believe is inaccurate, it may be a good idea to contact the business that reported the account, as they are the ones who can provide you more details. Your other option is to start a dispute with the credit reporting agency that issued the credit report. To start a dispute with TransUnion, visit transunion.com/disputeonline and we’ll start an investigation.


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There are lots of reasons why you might want a personal loan. Perhaps it's to consolidate some credit card debt, or for a home repair project and maybe you'd like to invest in a small business. Whatever the reason, it's important to know just how much that loan is going to cost you in the long run. That's where a loan calculator comes in.

A loan calculator is a simple tool that will allow you to predict how much a personal loan will cost you as you pay it back every month. It's quite simple: You provide the calculator with some basic information about the loan, and it does the math and spits out your monthly payment.

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You need to be prepared to provide the following:
1. The amount of the loan along with any up front fees.
2. The term or length of the loan (meaning how long you have to pay it back)
3. The interest rate of the loan.

What’s Your Score?

Don’t assume your score is good (or isn’t) just because you have always paid your bills on time (or haven’t.) The only way to know whether you have a good credit score is to check. You can get your credit score free at Credit.com. This is a truly free credit score – no payment information is requested. In addition to the number, you’ll see a breakdown of the factors that affect your score and get recommendations for making your credit as strong as possible.

How well do you understand credit?
Test your credit IQ
How well do you understand credit?
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  • a) 10%
  • b) 15%
  • c) 30%
  • d) These factors have no bearing on your score whatsoever
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  • a) True
  • b) False
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  • a) Experian
  • b) Advantage
  • c) Equifax
  • d) TransUnion
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What Can I Get With A Good Credit Score?

Some of the best credit cards — from rewards cards to 0% balance transfer offers —go to consumers with strong credit scores. You’ll find great credit cards for good credit here.

A good credit score can also get you a lower interest rate when you borrow. That means you will pay less over time. For example, if you’re buying a $300,000 house with a 30-year fixed mortgage, and you have good credit, then you could end up paying more than $90,000 less for that house over the life of the loan than if you had bad credit. So, in the end, it really pays to understand your credit scores and to make them as strong as possible.

The interest you pay for your personal loan will depend on your credit score and the information in your credit report. The higher your credit score, the lower you're interest rate will be, and the less you'll pay for your loan in the end. If you're not sure whether you have good credit you can use Credit.com's free Credit Report Card for an easy to understand overview of your credit report along with your credit scores.