Don’t pay for your free credit report

Don’t get lured in by “free” credit reports that are advertised on TV.  Notice they say “Free with enrollment in…”  Go to www.annualcreditreport.com to get a copy of all three of your credit reports for free once a year (perhaps make it a birthday tradition!).  You will have to pay if you want your credit score, but the report itself is free.  Look over the report to make sure you recognize all of the listed accounts and consider closing dormant accounts.

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