credit score 070220PARK FOREST – State Senator Patrick Joyce (D-Essex) is promoting free credit reporting websites for people to assess their financial situations.

“The COVID-19 crisis has forced many of us to shift our priorities,” Joyce said. “While people are focusing on taking care of their families and making ends meet, it’s important to keep track of their financial situation, too.”

Federal law requires each of the three nationwide consumer credit reporting companies—Equifax, Experian and TransUnion—to provide a free credit report every 12 months if requested. As a result of the COVID-19 pandemic, these companies are offering free online weekly credit reports through April 2021.

The information in these reports may affect mortgage rates, credit card approvals, apartment requests and job applications. Reviewing credit reports can also help catch signs of identity theft early.

“By knowing their credit score, people get an opportunity to better their financial situation,” Joyce said. “I encourage residents to check their credit reports often since it can be done free of charge every week.”

To find out more about why credit is important or to request a credit report, visit

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