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Published March 18, 2013, 11:33 PM

Tuesday tip: Keep an eye on your finances

An easy way to check your credit worthiness is to regularly review your credit report. Thanks to the Fair Credit Reporting Act, you can get one free credit report every 12 months from each of the three nationwide reporting companies – Equifax, Experian and Trans Union.

By: Sherri Richards, INFORUM

An easy way to check your credit worthiness is to regularly review your credit report. Thanks to the Fair Credit Reporting Act, you can get one free credit report every 12 months from each of the three nationwide reporting companies – Equifax, Experian and Trans Union.

Just don’t be fooled by catchy jingles on TV. The website to access your free credit report is annualcreditreport.com. You can also call (877) 322-8228.

You’ll need to provide your name, address, date of birth and Social Security number to get a copy of your report. If any information is inaccurate or incomplete, you should then report it in writing to the reporting company as well as the creditor.

Each company’s information (and therefore report) may be slightly different. While you could request reports from all three companies at the same time, I prefer to stagger my requests, ideally viewing one company’s report every four months. This lets me keep a vigilant eye for accuracy, and could make me aware of potential identity theft sooner.

More information on free credit reports is available at www.consumer.ftc.gov.

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