Do you know what these specialty consumer reporting agencies have in their files for you? You should.
Most people are aware of the fact that you can get a free copy of your credit reports once a year from each of the major credit reporting agencies: Equifax, Experian, and TransUnion.
But there are other nationwide consumer reporting agencies that collect and sell consumer information. By law, they must provide you with a free annual copy of your report (if any). Here you’ll find a link to a series of posts that describe who these agencies are, the type of information they collect, and how you can request your free annual disclosure.
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While you won’t have a file with all of these agencies, you probably will find at least one that maintains information about you. Just as you should check your credit reports at least once a year, it’s a good idea to request a copy of these reports as well.
To read my full series on specialty consumer reports, you can find them all right here at Credit.com: