How many times have you have heard me talking about credit reports? Each time you have made a mental note to check yours. But have you actually ever checked your credit report?
There is no excuse for not checking on a regular basis. It’s free! An amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the large reporting companies to provide you with an annual free copy of your credit report, at your request.
You can get your free report by logging onto annualcreditreport.com. This central site allows you to request your credit report, once every 12 months from each of the large credit reporting companies: Equifax, Experian and TransUnion.
A word of caution; there are many look-alike websites out there. Use only annualcreditreport.com. The law now requires commercial websites that say they offer free credit reports to include a box letting you know you can get a free credit report atwww.AnnualCreditReport.com.
It is important to be checking your credit report and credit scores at least annually. And they will be different from each of the reporting agencies for they have access to different data about you. So you do need to check all three.