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UW-Extension: Continue to check your free credit report after a data breach

The recent data breach in the news comes from Equifax, one of the three major credit bureaus in the U.S. This breach involves computer hackers accessing personal data – social security numbers, birth dates, addresses, and potentially more information – of 143 million U.S. consumers. Equifax advises all consumers to determine if their personal information […]

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UW-Extension: Check your free credit report to build financial security

Federal law gives everyone the right to request three free credit reports each year—one each from the three credit bureaus: Equifax, Experian, and TransUnion. There are three ways to order your free credit report: through the mail, by phone toll free, or at the official website AnnualCreditReport.com. The University of Wisconsin-Extension “Check Your Free Credit […]

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Check your free credit report to build financial security

Month after month, incorrect information on credit reports is among the top consumer complaints to the U.S. Consumer Financial Protection Bureau (CFPB). Complaints frequently revolve around the age of the debt listed on a credit report, or debt that doesn’t belong to the individual. Other issues include delays in updating and correcting inaccurate records. Because […]

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Credit reports versus scores

Since the Check Your Free Credit Report campaign started in 2013, many people have reached out to UW-Extension educators with questions about obtaining a credit score. “When individuals order their free credit report, they are often surprised that the free report doesn’t contain a credit score,” says Peggy Olive, UW-Extension/Madison Financial Capability Specialist. “To make […]

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Married couples and credit

Over the four years of the Check Your Free Credit Report campaign, many people have reached out to UW-Extension educators to learn how credit reports and scores work for married couples. “Couples may be unclear about how marriage affects their credit, including why some information appears on one spouse’s credit report but not the other’s,” […]

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