When was the last time you checked your credit report?
Did you know that the by law, you are entitled to three free credit reports every twelve months?
You’ve seen the commercials for “free credit reports,” but if you pay attention, they usually require you to sign up for some other service just to get it. Not exactly what we’re looking for.
The Fair Credit Reporting Act allows you access to your credit report from each of the three nationwide credit reporting agencies (Experian, Equifax, and Transunion) once every twelve months.
All you have to do is head over to AnnualCreditReport.com, submit your information (Name, Date of Birth, Social Security Number, and your Address), and select the credit reporting company you’d like.
Remember, you are allowed to request a free credit report once every twelve months from EACH of the credit reporting companies. That means that you can pull them all at once and wait 12 months until you’ll be eligible next or you can pull them at different times.
My suggestion is spreading them out across the year and pulling one credit report every four months for maximum exposure. That way you’ll always be on top of your credit report and be alerted sooner of any suspicious behavior.
So, what are you waiting for? Take action today! Go to AnnualCreditReport.com and get started today! Don’t put it off or you’ll forget about it!