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Check Your Credit Report

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We are currently in the midst of National Cybersecurity Awareness Month, and are approaching International Fraud Awareness Week in November. With all of this attention on making the public aware of being safe, I want to give you a reminder of a simple, easy, and free way to monitor your own financial health. Get your free credit report!

You are entitled, by Federal law, to one free credit report every twelve months from each of the major credit reporting companies, TransUnion, Equifax, and Experian. You can obtain these free credit reports from one source, https://www.annualcreditreport.com. Go to this website and request your free credit report from one of the credit reporting companies today. Then, set a reminder for yourself to go back to that website four months from now, and request your free credit report from one of the other companies. Then, four months later, do the same from the last of the three companies. This way, you can continually monitor your credit report for fraudulent accounts or incorrect information, for free!

While you’re at it, check your children’s credit reports, as well. Children aged 13 or older can check their credit the same way as adults through the AnnualCreditReport.com website. For children under age 13, each credit reporting company has a different process to find out if there is a credit report on your child, and you will need to visit each company’s website and follow their specific instructions. Experian has a free service called Child ID Scan (https://www.experian.com/consumer-products/free-child-identity-theft-scan.html); Equifax requires you to contact their Minor Child Department (https://my.equifax.com/consumer-registration/UCSC/#/personal-info) to request information, and TransUnion requires requests to be made via email to childidtheft@transunion.com or via a secure form at https://www.transunion.com/credit-disputes/child-identity-theft-inquiry-form.

Take the simple step of continuous (and free!) credit report monitoring to protect your family and yourself from identity theft!

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