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2. Comparison of free credit monitoring services - Wikipedia

   en.wikipedia.org/wiki/Comparison_of_free_credit...

   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." [1] [2] Care should be taken when providing a full Social Security number to any ...

3. AnnualCreditReport.com - Wikipedia

   en.wikipedia.org/wiki/AnnualCreditReport.com

   AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.

4. United States federal government credit-rating downgrades

   en.wikipedia.org/wiki/United_States_federal...

   The 2011 S&P downgrade was the first time the US federal government was given a rating below AAA. S&P had announced a negative outlook on the AAA rating in April 2011. The downgrade to AA+ occurred four days after the 112th United States Congress voted to raise the debt ceiling of the federal government by means of the Budget Control Act of 2011 on August 2, 2011.

5. How To Check Your Credit Score - AOL

   www.aol.com/check-credit-score-235003442.html

   The counselors can often get you a credit score for free — and review and interpret the score with you. Here’s how: Visit the National Foundation for Credit Counseling website to find out more.

6. What is my credit score if I have no credit history? - AOL

   www.aol.com/finance/credit-score-no-credit...

   Once you get access to a credit card, you can boost your score by keeping your credit utilization, or the amount of credit you’re using compared to your available credit, in check. For the most ...

7. Criticism of credit scoring systems in the United States

   en.wikipedia.org/wiki/Criticism_of_credit...

   2004 study found the median credit score for whites in 2001 was 738, but the median credit score for African Americans was 676 and for Hispanics was 670. [ 36 ] 2004 research study found fewer than 40% of consumers who lived in high-Black Indigenous and people of color [BIPOC] neighborhoods had credit scores of over 701.