I'm so glad you've taken time out of your day to join us here on the Clark Howard Show

where it's about you learning ways to stretch that wallet.

I hope you learn ideas to save more and spend less and don't let anyone ever rip you

off.

Clark.com is our main website and ClarkDeals.com is where you to go to get the deals which

is so important over the next seven weeks is we are moving into the heart of the Christmas

shopping season, our deal diggers, working shifts to serve you around the clock, seven days

a week through the entire Christmas shopping season to post deals as they come upon them

as they happen.

Coming up later this hour, you know, there's a lot of problems right now with people being

able to afford homes, either home they want to buy or the home they're already in.

And there's a cost-cutting solution that might help both baby boomers and millennials

that I want to share with you later this show.

So in the aftermath of all the problems at Equifax, there are so many more questions people

have about credit reports themselves.

And it's something that I just think about naturally and I forget how many people just

really, even though you know what a credit report is, don't understand exactly what makes

it up and how it could affect you.

And I can tell that because the heightened numbers of questions I'm getting about credit

reports over the last two months and I wanted to do a bit of back to basics.

First, your credit report from Equifax Trans Union and Experian by Federal Law is available

to you once each year for free.

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