Prepare Your Credit for Home Buying – Review Your Credit Report!

Prepare Your Credit for Home Buying – Review Your Credit Report!

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Yes, you can review your own credit, and no, it will not lower your score.

According to the Federal Trade Commission, (https://www.ftc.gov), “The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.”

To check your credit score, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.