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Demystifying the Big Three: A Guide to How Credit Bureaus Actually Work
If you find inaccuracies, you have the right to dispute them directly with the bureau. For those concerned about identity theft, you can freeze your credit at all three bureaus to prevent unauthorized new accounts from being opened in your name.
: Data furnishers (banks, credit card companies) voluntarily send monthly updates about your account status, balances, and payment history. How They Impact Your Wallet
: Review your reports at least once a year to catch errors or signs of identity theft.