Stephanie Izen recommends consumers obtain their free credit report through http://www.annualcreditreport.com. According to Stephanie Izen, many individuals do not know that by law, once a year, they are entitled to get a free credit report from each of the “Big 3” credit reporting agencies (i.e. Equifax, Experian and TransUnion). The website http://www.annualcreditreport.com, explains Stephanie Izen, was created because of this legal mandate. Here, an individual can request his or her credit report via email, regular mail, or by phone. Stephanie Izen also notes that a consumer can request all three credit reports at the same time or can spread out the requests over the 12-month period. Stephanie Izen offers these additional tips:
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