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Get a Free Credit Report More Than Once a Year - Kiplinger

Get a Free Credit Report More Than Once a Year

A new service from Credit Karma provides access to your TransUnion credit report any time at no charge.

By Cameron Huddleston , Online Editor

August 12, 2014

Consumers are entitled to receive a free credit report annually from each of the three major credit bureaus: Equifax, Experian and TransUnion. It's the law. These free yearly credit reports can...

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Fast Ways to Improve Your Credit Score - Kiplinger

You can also improve your utilization ratio by increasing your available credit: "If you have never missed a payment and are a good customer, consider asking your creditors to increase your credit limit on the cards you use," says Maxine Sweet, of credit bureau Experian. "But beware of the temptation to charge more just because you can."

Closing unused accounts, on the other hand, could hurt your utilization ratio because you will be lowering your available credit. If your card company starts to charge an annual fee -- which many are doing now -- then it may still be worthwhile to close the account and take a...

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