Equifax, one of the “Big Three” credit bureaus recently announced that a massive hack has exposed the personal information of up to 143 million people. To add perspective to that statement, that is about two-thirds of American credit card holders or close to half the population of the United States. Equifax did not notify people to tell them they were victims. Because of this, it’s up to you to protect your credit and keep thieves from stealing your identity.
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You are probably aware that federal law entitles you to a free copy of your credit report annually by each of the three credit bureaus: TransUnion, Experian, and Equifax.
Why bother to check your credit? Because by regularly looking at each of these reports, you can determine if there are any errors on them and be aware of your credit worthiness.
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Some people take their credit for granted and don’t start paying attention to it until they need it. Doing this could cause them to pay more interest or keep them from getting a loan altogether.
There are several things that can kill your credit score. Knowing what they are and dealing with them ahead of time will save you time, money and headaches.
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