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Those consequences can include a hit to your credit score of 100 points or more. LendingTree says you could lose up to 180 points, although that’s unlikely for those with all but the highest scores.
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Services limited to cardholders or only offering trial plans are excluded. The chart specifies what is free, what kind of credit reports are included, and whether a full Social Security number is needed. According to the Federal Trade Commission, "AnnualCreditReport.com is the only authorized source for the free annual credit report."
2. Know How Your Credit Score Is Calculated. Once you have your score, know what that number means so you can take the steps to raise it. "Your payment history accounts for about 35 percent of ...
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This is a major mistake, especially when checking your credit is both free and easy since every American is entitled to a free annual credit report from each of the three major credit bureaus.
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