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This free report is in addition to your annual free report.

In addition, lenders may use a credit report to set the terms of credit they offer you.

If a lender offers you terms less favorable (for example, a higher rate) than the terms offered to consumers with better credit histories based on the information in your credit report, the lender may give you a notice with information about the credit bureau that provided the credit report used to make the decision.

Again, you can get a free credit report (in addition to your annual free report) from this credit bureau if you request it within sixty days after receiving the notice.

This site–maintained by the Federal Reserve Board–provides answers to some of the most common, and most important, questions about credit.

A: A credit report is a record of your credit history that includes information about: A: Your credit report is important because lenders, insurers, employers, and others may obtain your credit report from credit bureaus to assess how you manage financial responsibilities.

A: If you are denied credit, insurance, or employment–or some other adverse action is taken against you, such as lowering your credit limit on credit card account–because of information in your credit report, the lender, insurance company, or employer must notify you and provide you with the name, address, and phone number of the credit bureau that provided the credit report used to make the decision.

You can get a free credit report from this credit bureau if you request it within sixty days after receiving the notice.You can have your name and address removed from these lists by opting-out of the listing.This will reduce the number of unsolicited offers you receive.If you receive one of these notices, it’s a good idea to get your free credit report and review the information in it right away.If you think your credit report contains inaccurate or incomplete information, follow the steps in .A: No, credit bureaus do not make credit decisions.They provide credit reports to lenders who decide whether to grant you credit.However, if you wish to detect any errors and monitor changes in your credit profile over time, you may wish to review a single credit report every four months.A: Because credit reports contain sensitive personal information, access to them is limited.Each credit bureau gets its information from different sources, so the information in one credit bureau’s report may not be the same as the information in another credit bureau’s report.A: You can get one free credit report every twelve months from each of the nationwide credit bureaus–Equifax, Experian, and Trans Union–by You will need to provide certain information to access your report, such as your name, address, Social Security number, and date of birth.

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