#wsj —-> Bad credit can result in unfavorable interest rates that cost you thousands when you take out a mortgage, a car loan or a student loan. It could block you from leasing that apartment you’ve been pining for. It can be a black mark on your record that even prevents you from landing your dream job.
So it pays to know the essentials of your credit report and related score, the behaviors that can make your score rise or plummet, and the services that help you monitor your credit.
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•You’re entitled to one free credit report, once a year, from each of the three credit reporting agencies — Equifax, Experian and TransUnion.
•Higher FICO scores mean lower interest rates and can save you thousands of dollars. Try to boost your score before you apply for a loan.
•Order your free credit report at ANNUALcreditreport.com.
http://guides.wsj.com/personal-finance/credit/how-to-monitor-your-credit-score-and-credit-report/
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