a reminder

You are legally entitled to a free credit report Annual Credit Report from Equifax, TransUnion, and Experian every 12 months.

I had to buy another one because some items popped up on my credit report; for example, claiming that I was late on one payment to a bank account that was closed years ago, even though I always pay my bills on time. This item had not popped up on previous reports, and drove down my credit score. I disputed this online.

So annoying.