Physical fitness is something many strive for, but the Better Business Bureau also wants you to think about your fiscal fitness. Pulling your credit report on a regular basis is a smart way for consumers to stay on top of their financial health, according to a BBB investigator.
The reports also can help you figure out whether someone has stolen your identity or tried to commit financial fraud. If you have a bad credit score, there are companies out there that will offer to "fix" your score, but Bill Smith says that's just not possible.
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He also says you can check your credit report free of charge, but be wary of websites that advertise free in their name. He says the only way to get a truly free copy of a credit report is by using a service sponsored by the three nationwide credit reporting agencies – Experian, Equifax and Transunion. The service is available at www.AnnualCreditReport.com or by calling 1-877-322-8228.