For my friends and family in the US. I hope that you are aware that thanks to changes in federal law that you are now eligible to receive a free credit report from the three CRA's every year.
Go to www.annualcreditreport.com to receive yours.
I did mine. I was able to access two of my three reports online. Experian claimed they could not find mine and told me that I need to call them to get it.
This is your information and this is your right to view what the CRA's have on you. Use it or loose it. You should exercise this right every year from now on.
I also found that the Trans Union site allowed me to forever opt out from getting credit card solicitations from the data in my file. Less junk mail!
I have noticed that I can not get to the site from an Australian ISP. I have to remotely log on to a computer in the US and then use that computer to get to the site. They don't make it easy.
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