According to Fair Isaac, on average, today’s consumer has a total of 13 credit obligations on record at a credit bureau, 9 credit cards and 4 installment loans.
It is important to be checking your credit report and credit scores at least annually.
Websites like Freebie-Depot.com, Mrfreestuff.com and Shop4Freebies.com offer samples of products and online coupons and rebates.
No one should charge you for your credit report.
There has been a rebound in identity theft according Javelin Strategy. So how can you protect yourself?
Have you actually ever checked your credit report?
What’s in your wallet?
Knowing your credit scores is important.
They are free! Do not pay for them!
There is a law in place that requires each of the large reporting companies, TransUnion, Equifax and Experian, to provide you with an annual free copy of your credit report, at your request.