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If a lender offers you terms less favorable (for example, a higher rate) than the terms offered to consumers with better credit histories based on the information in your credit report, the lender may give you a notice with information about the credit bureau that provided the credit report used to make the decision.

Again, you can get a free credit report (in addition to your annual free report) from this credit bureau if you request it within sixty days after receiving the notice.

However, if you wish to detect any errors and monitor changes in your credit profile over time, you may wish to review a single credit report every four months.

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This free report is in addition to your annual free report.

In addition, lenders may use a credit report to set the terms of credit they offer you.

A: Credit bureaus may sell the names and addresses of consumers who meet specific credit criteria to creditors or insurers, who must then offer them credit or insurance.

For example, a creditor could request from a credit bureau the names and addresses of consumers who have a credit score of 680 or higher and then offer credit to those consumers.

Each credit bureau gets its information from different sources, so the information in one credit bureau’s report may not be the same as the information in another credit bureau’s report.

A: You can get one free credit report every twelve months from each of the nationwide credit bureaus–Equifax, Experian, and Trans Union–by You will need to provide certain information to access your report, such as your name, address, Social Security number, and date of birth.For example: A: There are three major credit bureaus–Equifax, Experian, and Trans Union–that gather and maintain the information about you that is included in your credit report.The credit bureaus then provide this information in the form of a credit report to companies or persons that request it, such as lenders from whom you are seeking credit.A: No, credit bureaus do not make credit decisions.They provide credit reports to lenders who decide whether to grant you credit.Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.

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