Meet Alex. Alex was finally ready to stop daydreaming about a new home and start house hunting. He had been saving for years, but there was one giant shadow hanging over his plans: his credit report.
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Finally, a friend convinced him to face his fears. "Alex, you’re legally entitled to a free copy of your annual credit report from each of the three major credit reporting agencies: Equifax , Experian , and TransUnion ," his friend explained. "And checking it yourself is a 'soft inquiry'—it won't hurt your score at all." Meet Alex
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Experts say about 5% of consumers have errors like this on their reports, and it can cost them thousands in higher interest rates. Alex followed the instructions on the TransUnion site to dispute the error.