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Learn about credit reports and credit scores


Life’s Financial Journeys

Heading Off to College
Getting Out on Your Own
Blending Two Lives
Having a Child
Emptying the Nest
Entering Retirement
Divorce
Death of a Life Partner
Military Life


There are three major credit reporting companies in the US. You may not have a record with all of them and if you do, there may be differences in them. You can obtain one free credit report from each of the three companies each year.

You can challenge the accuracy of the information in your credit reports. Your credit score is derived from the information in your credit reports. You will have to pay a small fee to obtain a copy of your credit scores.

The following resources may assist you in learning about credit reports and credit scores:

Obtain a Free Copy of Your Credit Report

Learning About Credit Reports

Credit Report Vs. Credit Score: What’s the Difference?

How Credit Reports and Scores Affect the Cost of Credit


Getting Out on Your Own Tasks

1. Finding housing
2. Building credit access and usage
3. Reaching financial goals
4. Setting up a spending plan
5. Getting properly insured

Building credit access and usage Subtasks

1. Learn about credit reports and credit scores
2. Take steps to strengthen your credit reputation
3. Compare revolving and installment credit
4. Decide how much credit you can afford right now
5. Identify appropriate sources of credit and how you will use them

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