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Couples and Credit Reports

Knowing your spouse or partner’s credit history is as important as knowing your own. When in a relationship, your partner’s credit can become a source of stress and may affect your ability to secure a home or auto loan. Establishing regular times for couples to check and review their credit reports together is an important […]

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Free credit freezes now available through credit bureaus

Due to a change in law earlier this year, consumers in Wisconsin and across the United States are now able to place free credit freezes on their credit reports from the three major consumer reporting agencies: Equifax, Experian, and TransUnion. A credit freeze, also called a security freeze, is one of the strongest steps you […]

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Changes coming to your credit report

There have been many important changes to credit reports this spring, with more changes coming in fall 2018. UW-Extension’s Check Your Free Credit Report campaign can help you keep track of these changes and also make the process of ordering your free credit reports as easy as possible. Anyone can sign up to receive an […]

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New guides explain how to read your credit report and increase your score

UW-Extension just released two new guides for people interested in reviewing their credit: The Sample Credit Report guide walks you through a credit report and explains what everything means.  The Credit Score guide explains how credit scores are calculated and what steps you can take to improve your score. The guides are part of UW-Extension’s […]

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UW-Extension: Check your free credit report to build financial security

The University of Wisconsin-Extension “Check Your Free Credit Report: 2/2, 6/6, 10/10” campaign is a proud recipient of the 2017 Governor’s Financial Literacy Award, as selected by the Governor’s Council on Financial Literacy. One of 18 award winners, UW-Extension is recognized as an organization that equips people with the tools they need to be financially […]

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UW-Extension: Continue to check your free credit report after a data breach

The recent data breach in the news comes from Equifax, one of the three major credit bureaus in the U.S. This breach involves computer hackers accessing personal data – social security numbers, birth dates, addresses, and potentially more information – of 143 million U.S. consumers. Equifax advises all consumers to determine if their personal information […]

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UW-Extension: Check your free credit report to build financial security

Federal law gives everyone the right to request three free credit reports each year—one each from the three credit bureaus: Equifax, Experian, and TransUnion. There are three ways to order your free credit report: through the mail, by phone toll free, or at the official website AnnualCreditReport.com. The University of Wisconsin-Extension “Check Your Free Credit […]

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Check your free credit report to build financial security

Month after month, incorrect information on credit reports is among the top consumer complaints to the U.S. Consumer Financial Protection Bureau (CFPB). Complaints frequently revolve around the age of the debt listed on a credit report, or debt that doesn’t belong to the individual. Other issues include delays in updating and correcting inaccurate records. Because […]

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Credit reports versus scores

Since the Check Your Free Credit Report campaign started in 2013, many people have reached out to UW-Extension educators with questions about obtaining a credit score. “When individuals order their free credit report, they are often surprised that the free report doesn’t contain a credit score,” says Peggy Olive, UW-Extension/Madison Financial Capability Specialist. “To make […]

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