Until now, you could only get free access to your report three times a year
list all open accounts, inquiries from credit applications, payment history, and any outstanding payments in collections. Three credit bureaus collect the data — Equifax, Experian, and TransUnion — and until now, they've each allowed Americans to access their credit report for free only once per year, three times in total. The three credit reporting bureaus announced the plan in aon April 20. "We are uniting as an industry to help people know the facts about their financial data.
"It will take a moment to figure out how to execute against what's been stipulated [by the CARES Act], so something's bound to slip through the cracks," Anderson said. The best way to make sure a mistake won't affect your credit is to check your report often. Note that checking more often doesn't hurt your score: When you check your report yourself, it's not consideredEven if you're not planning on delaying bills due to COVID-19 related unemployment, now is still a good time to check on your score. If you're using more credit than usual, check to see if the higher balances are affecting your credit score. If you're applying for new credit, like a personal loan or credit card now, your credit report is equally important.
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