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Everyone should get a copy of their credit report at least once a year. The information is an essential part of your personal finances, affecting your ability to get credit when you need or want it. Learn how to get a free report once every 12 months as allowed by law, and when you may be entitled to other free reports under federal and state law. You can also learn about Experian’s credit monitoring services, the benefits they provide and how they can be a valuable tool in managing your personal finances.