• Check Your CreditDecember 19, 2022

    As a consumer, you have a right to view your credit report from each of the three
    credit reporting agencies (Experian, TransUnion and Equifax) each year. Visit annualcreditreport.com to
    request the free report. You will have to pay to receive your credit score. It
    is important to review your report to verify that the credit information
    reported is accurate. Your credit report can affect your ability to finance
    items like houses and cars, and it can even affect your potential employment or
    your insurance rates. For more information on requesting the report, along with
    instructions for what you can do if you find errors, visit the Federal Trade Commission website.

    If you have minor children, you can ask the credit bureaus if a
    credit report exists for them. The Consumer Financial Protection Bureau (CFPB)
    has an article with tips on how to do that. You can
    request the file from any of the three bureaus. This is especially important if
    you believe your child may have been the victim of identity theft. If you
    discover that your child has a credit file, you can dispute the error. This tip sheet from the CFPB includes
    information on how to dispute the credit file for your child.

    This information is meant to be a broad overview and should not be the only source
    you consult for evaluating your risk management needs. Adherence to the above
    guidelines does not ensure coverage under your policy, nor does it guarantee
    your risk will be accepted by our company or that your property or operations
    are safe, healthful, or in compliance with laws, rules, or regulations.
    Coverage is determined by specific policy provisions, limitations and
    exclusions that can only be expressed in the policy itself.

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