You are encouraged by the Federal Trade Commission to be sure the information on your credit reports is accurate, complete, and up to date at least once a year.  It is an important part of your financial life that can determine whether you get credit, the terms of the credit and how much it will cost.

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Homeowners should verify their home's equity at least once a year because the two factors that affect it change regularly.  Market value changes and the unpaid balance of the home decreases with each monthly payment made on an amortizing loan. 

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