Your Credit. Your Identity.

When it comes to learning about credit and identity theft, there are two things to know: You can never have too much information, and there’s no wrong place to start. So let’s get started.

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CREDIT REPORTS

The Anatomy of a Credit Dispute

There’s information on my credit report that I believe is incorrect. How do I begin the process of disputing information I believe is incorrect?

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How Long Does Information Stay on my Credit Report?

There are timeframes for how long different types of information may remain on your credit report. Depending on the type of information, there are different timeframes for how long an item may stay on your credit report.

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Who is Allowed to Access my Equifax Credit Report?

Financial institutions and others who have what's called “permissible purpose” can access a copy of your credit report in order to make certain types of decisions about you.

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How Do I Get my Free Credit Report?

There are two ways to get a free credit report. One of the ways you can get a copy of your free credit report is through Annual Credit Report, www.annualcreditreport.com.

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CREDIT SCORES

How Do my Actions Impact my Credit Score?

Regardless of the financial milestones you’re reaching, when it comes to financial progress and credit, it’s important to understand the factors that may impact your credit score.

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How Do I Check my Credit Score?

There are a few ways that you can check important information when it comes to your credit score

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Why Should I Check my Credit History and Credit Score?

Your credit history and credit score are vital pieces of information that are important to your overall financial wellbeing.

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How Are Credit Scores Calculated?

The main factors involved in calculating your credit score are:

  • The number of accounts you have
  • The types of accounts

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IDENTITY THEFT

How Can I Better Protect Myself from Identity Theft?

Unfortunately, consumers cannot completely protect themselves from the sophisticated tactics identity thieves use to get their hands on sensitive personal and financial information.

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How Does Identity Theft Happen?

Identity thieves have gotten more sophisticated in their methods. The following includes some of the ways identity theft may happen.

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Are My Children at Risk From Identity Theft?

Even children are vulnerable to identity theft. They are often targeted by identity thieves - the majority of whom are family members or close family friends.

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Are You At Risk for Identity Theft?

Even the most careful consumers can fall victim to identity theft. To enhance your identity theft protection strategy further, regularly monitor your credit report for identity theft red flags.

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