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But in all fairness, it’s not like Annual Credit has the best name either. Because with the word “annual” in there, many people assume that means once per year.

They think it means they can check their credit report from each of the three bureaus once per calendar year. Rather than going by calendar year, it goes by every 12 months.

What they offer you is NOT used by lenders or creditors; it’s merely a score for “educational purposes.” If you want to get your real FICO, there are several sources licensed to provide it directly to consumers as of Q2 2016: Even though checking your reports through the Annual Credit website won’t get you your scores, it’s a great way to check your credit health and to make sure all the information is accurate.

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