“You are entitled to a FREE credit report from each of the three credit reporting agencies (Equifax, Experian, and TransUnion) once every 12 months. You can request all three reports at once, or space them out throughout the year. It’s important to review your credit report to ensure that your personal information and financial accounts are being accurately reported and that no fraudulent accounts have been initiated in your name. If you do find an error on your credit report, you can dispute the error.”