If you’re thinking about buying a home or refinancing – even if you’ve got excellent credit – you may want to avail yourself of a forthcoming free service that could help you get a better mortgage rate.

Under the terms of a national class-action settlement, you may qualify for six or nine months of daily monitoring of your credit file plus unrestricted access to your credit report and score. To be eligible, you need to have had any form of open credit account – a charge card, student loan, auto loan or a mortgage – at any time between Jan. 1, 1987, and May 28, 2008.

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