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ANNUAL CREDIT REPORTS contain information about your credit and bill paying history.
When you contact one of the credit report companies to get your free annual credit report, you'll receive your yearly credit report with historical details about where you currently live and where you've lived prior, how timely you pay your monthly and incidental bills from creditors. There will also be information if you've ever filed for or completed bankruptcy, been sued by creditors or others to whom you owe money, arrested for a crime, and other information related to your personal credit score and good or bad credit history.
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The information in your personal credit report can be sold or made available to other creditors, potential employers, insurance companies, landlords and for home loans and other loans requiring a credit check. It's important that you take advantage of the ability to get a free yearly credit report from the main credit report agencies and regularly review the credit report and credit score information in your file to ensure accuracy and current status.
There are some privacy protections on your credit report information, and the accuracy of your credit report and scores can be confirmed by you when you check your credit report yearly. Fair Credit Reporting is overseen by the FTC (Federal Trade Commission), which is the consumer protection agency maintained by the US government and which ultimately enforces the credit reporting laws and regulations under which credit report bureaus must operate.
You'll find helpful links and information on the Annual Credit Reporting Network to assist you in learning how to get a free annual credit report and obtaining your credit report and score. Please visit the credit report information pages linked below to find current news about your annual credit report and free yearly credit reports.
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