What Is a Problem with the Free Annual Credit Report

question 36

Multiple Choice

What is a problem with the free annual credit report web site?

• A) Free reports are typically 12-18 months old.
• B) Free reports only give you the credit rating, not if someone has used your identity to get credit.
• C) The web site requires you to subscribe to an annual subscription to a financial magazine.
• D) The web site has many impostors with similar names that actually take consumer information and steal their identities.

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Definitions:

UB-04 Form

A standard claim form used by hospitals, nursing facilities, and other inpatient providers to bill medical insurance plans, including Medicare and Medicaid.

CMS-1450

A standard form used in the United States for billing Medicare and Medicaid services, also known as the UB-04 form.

Clearinghouse

A private or public company that often serves as the middleman between physicians and billing groups, payers, and other health care partners for the transmission and translation of electronic claims information into the specific format required by payers.

Per-Claim Transaction Fee

A charge applied each time a claim is processed, typically in healthcare billing or insurance contexts.