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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.
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."
The first step to pulling a free annual credit report is to visit the website that allows you to get your report at no cost. The website is AnnualCreditReport.com .
Consumers can get free VantageScores from free credit report websites, and from some credit cards issued by Capital One, American Express, U.S. Bank, Chase Bank, TD Bank, N.A., Synchrony Bank, and USAA Bank. The VantageScore 3.0 and 4.0 lower than 550 is very poor, 550–649 is poor, 650–699 is fair, 700–749 is good, and 750–850 is excellent.
Templates are pages that are embedded (transcluded) into other pages to allow for the repetition of information. Help:A quick guide to templates , a brief introduction on templates for beginners Help:Template , the main technical help page on templates, provides information on creating and using templates
The content from a template titled Template:foo can be added into a Wikipedia page by editing a page and typing {{foo}} into it. When then viewing the page, {{foo}} is automatically replaced by the content of the page "Template:foo". If the page "Template:foo" is later altered, all the pages with {{foo}} in them will change automatically.
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