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Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

The information in your credit report is used to evaluate your application for credit, insurance, employment, and renting a home. Your credit report contains information about where you live, how you pay your bills, whether you’ve been sued or arrested, and whether you’ve filed for bankruptcy. Therefore, you should be sure the information is accurate and up to date. Additionally, monitoring your credit is one of the best ways to spot identity theft. You have the right to get a free credit report, once every 12 months, from each of the nationwide consumer credit reporting companies—Equifax, Experian, and TransUnion.The three nationwide credit reporting companies set up a Web site, a toll-free telephone number, and a mailing address through which you can order your free annual report.To order your free credit report:Visit Annual Credit ReportCall 877-322-8228, orMail a request to: Annual Credit Report Request Service PO Box 105281 Atlanta, GA 30348-5281It is crucial that you check your credit report at least once a year to correct errors and to detect unauthorized activity. Once again, the information in your credit report affects whether or not you get a loan, and your interest rate when you do get a loan. The information also affects insurance, renting a home, and even getting a job. Therefore, you want to make sure the information in your credit report is accurate, complete, and up-to-date before you apply for a loan or a credit card, before you apply for a job, before you apply for insurance, and before you submit a rental application. Finally, monitoring your credit report will help guard against identity theft.Contact Mike Agruss Law, for help receiving a free credit report. More importantly, contact Mike Agruss Law, for help disputing inaccurate information in your credit report.

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