Have you checked your credit report this year? ConsumerInfo.com offers a free online credit report with the click of a mouse button.

When you receive your free credit report, be sure to check it for any errors which may have a negative impact on your credit score. If you find an error or omission contact one of the Government agencies which can help you resolve the issue. If you find that you have a poor credit score, consider consolidating your bills and start to rebuild your credit.

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