Wednesday, February 23, 2011

Check your credit report for free!

In response to the growing frequency of identity theft, federal law mandated a few years ago that each major credit reporting agency allow Americans to check their credit report for FREE once a year. When was the last time you checked yours?

Go to to get your copies. They are free and let you see what lenders, potential employers, landlords, and car insurance companies see about you before determining whether to lend to you, hire you, rent to you, or insure you. is the ONLY website guaranteed by the Fair Credit Reporting Act to give you a free credit report every year from each of the three main reporting agencies, Experian, Equifax, and TransUnion. Any other website offering "free" credit reports is a knock-off that will lead you into a paying subscription.

Some people check all three reports at once; others spread out their reports by checking one from each agency every 4 months. I look at all three of mine once a year for simplicity's sake, but you might want to space the reports out to keep an eye on your credit history throughout the year.

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