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Dear Maestro Holder,<br>
<br>
So, you've decided to get your free credit report.
<BR>
<BR>
But now that you've got it, there are an awful lot of numbers, abbreviations and terms you've never seen before. Trade lines, charge-offs, account review inquiries -- how do you read this thing? <BR>
<BR>
First off, there are three major credit-reporting agencies in the United States: Experian, TransUnion and Equifax. Every 12 months, you can print a copy of your credit file from all three agencies by going to a single Web site, www.annualcreditreport.com.
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<B>Identifying information </B> - Identifying information is just that -- information to identify you.</LI>
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<B>Credit history </B> - Sometimes, the individual accounts are called trade lines.</LI>
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<B>Public records </B> - Transfer Each account will include the name of the creditor and the account number, which may be scrambled for security purposes </LI>
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<B>Inquiries. </B> - Other reports use payment codes ranging from 1 to 9.</LI>
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For instance, the model has a buffer period that ignores inquiries within 30 days of getting a mortgage or a car loan. It also counts two or more "hard" inquiries in the same 14-day period as just one inquiry.
<BR>
<BR>
If you find a mistake on your credit report -- an account that isn't yours or a disputed amount -- you'll need to fill out the form that comes with the report, or follow the instructions on the explanatory sheet. <BR>
<BR>
"You could have 30 in two weeks and it only counts as one,"
<br>
Ulzheimer says.
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