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Check Your Credit Report for Free

Over the past nine months, Federal legislation has been ramping up across the country to require each of the big three credit reporting agencies (Equifax, TransUnion, and Experian) to each provide you a free credit report once a year. You can get yours at AnnualCreditReport.com.
Some tips:

  • Have your financial information handy when you log on. They are going to ask you some financial questions about loan amounts, lenders, addresses, etc. in order to verify your identity.
  • Don’t order all three at once. They generally are getting the information from the same sources, so if you space out your requests and get Equifax now, TransUnion 4 months from now, and Experian 4 months from then, you’ll have the equivalent of 3 free reports a year.
  • Read carefully. Each of these companies also offer free credit reports, but end up signing you up for credit monitoring services after 30 days. Your free credit report may turn into a $10 a month service that you weren’t in need of.
  • Verify that you are going to the official credit report site. Heck, don’t even trust the link I gave you above. There are no doubt going to be people trying to phish your information away via email and bogus websites; just like they’re currently trying to do with banks, eBay, etc. When in doubt, go to the Federal Trade Commission’s website and you will get the whole low-down on legitimate ways of receiving your credit report for free.

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