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A Free Credit Report is a document that provides a summary of an individual's credit history. It includes information such as one's credit score, payment history, credit utilization, and any outstanding debts. This report is essential for individuals to monitor their financial health and ensure that there are no errors or fraudulent activity on their credit accounts. It allows consumers to identify any potential issues that may be affecting their credit score and take necessary steps to address them. By law, individuals are entitled to receive a free credit report from each of the three major credit bureaus once a year. Accessing and reviewing this report regularly can help individuals make informed decisions about their finances and improve their overall creditworthiness.