Guarding your credit score, especially during these trying economic times, could determine how much you may borrow, the interest rate, and the terms of that loan. The site annualcreditreport.com lets you request a free copy of your credit report every 12 months from each of the nationwide consumer crediting agencies -- Equifax, Experian, and Trans Union. The site is free to use. And, all you have to do is fill out your personal information and answer a couple of security questions to verify your identity to obtain your report.
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