Net Worth
Good Info I've Collected
- Debt Calculators and Debt Reduction Resources
- Financial Calculators
- Free Stuff
- Increasing Your Income
- Keeping Motivated
- Living Frugal
- Random Money Saving Tip
Site Design By
Site Hosted By
- Dreamhost - use code GIVEME50 and you will save $50 off your first year of hosting (I make $47).
I’ve discussed this before, but I happened to remember to obtain our credit reports last night so I thought I would give a little reminder on here.
Every year, you are entitiled to one free annual credit report from one of the three major credit reporting agencies (Experian, TransUnion & Equifax). You can opt to get all three at one time yearly, or you can space them out over a few months. For example, you can get Experian now, then in four months get the TransUnion and then in another four months you can get Equifax. With doing that, you can check your report out three times a year.
To get started, all you have to do is visit annualcreditreport.com. There are a few imitation sites out there that even charge you money! But annualcreditreport.com is the authorized site and it’s the best price of all…free.
I’m happy to report that everything seemed in order on our reports. In the past, we have had to clear up accounts showing as open, but were closed. We almost didn’t get our mortgage because of an extra auto payment showing up. Mistakes are sometimes made, so it’s best to check things out to make sure everything is in order. It’s also important to check everything out for suspicious activity.
Random Posts
Leave a Reply
About This Site
Credit Card Debt
- Starting = $37,614
- Paid Off = $28,750
- Current = $8,864
- $25 ING Savings Bonus
Savings Account
- Current = $3,129
| BlogHer Ad Network |
| More from BlogHer |
| Advertise here |
| BlogHer Privacy Policy |
Posted: February 25th, 2008 at 12:41 am
Hi!
I am excited to find your blog. I have spent a couple of hours reading it tonight. I started from the end and am making my way forward to current.
I have just begun my own blog, to detail my own journey into becoming debt free, hopefully with the same success you are having.
I’d love to find out how I can participate in carnivals and festivals and get active on a blogroll.
Thanks in advance!
And congrats on your great work so far!
Leeann
Posted: February 25th, 2008 at 10:48 am
And watch out for them trying to bait and switch: I know myfreecreditreport.com pulls that all the time.
Posted: February 25th, 2008 at 11:53 am
When I looked at my last year, I let the annualcreditreport page time out (just letting the browse window sit for 15+ minutes on the three selection page) and it allowed me to look at my credit report multiple times until I think they figured out I had accessed more than once. With allowing the page to time out it even allowed me to look at my credit report after the agencies corrected the problem or that might have been because ‘the view’ was reset because something had been corrected. You have to love crappy web design
Posted: February 25th, 2008 at 12:01 pm
Thanks for the remider. It is always improtant to keep on top of your credit report!
Posted: February 25th, 2008 at 12:27 pm
Are you allowed to check your report every calendar year (2007, 2008, etc) or every 12 months (12/2007, have to wait until 12/2008)?
Posted: February 25th, 2008 at 1:55 pm
SavingDiva - it’s once every 12 months.
Posted: February 25th, 2008 at 2:05 pm
I’m lucky that each year I’ve checked my credit report I haven’t noticed any major issues. (The first year a gas card I thought I had cancelled was not cancelled, and the company was actually pretty pushy about trying to get me to keep it.) Since then no other problems like that - but interestingly one agency had my name spelled incorrectly! They were very pleasant when I called to correct it though. So always a good idea to check all that basic personal information carefully!
Posted: February 29th, 2008 at 1:11 am
Thanks for reminding me to check my credit report. Apparently my mom still hadn’t removed my “authorized user” status from her credit cards and her late payments were hurting my credit score. I called up BofA and Chase and got off all by myself last night. It was much easier than I thought it would be.
Posted: February 29th, 2008 at 12:22 pm
[...] Obtain a copy of your credit report for free at Blogging Away Debt [...]
Posted: March 13th, 2008 at 5:31 am
Thank you for showing a good and best site for checking the credit report. I was almost confused with which site should i go to check my credit report. By searching in google i saw this blog and was very effective one.
Posted: March 14th, 2008 at 2:55 pm
[...] Obtain a Copy of Your Credit Report for Free Every year, you are entitiled to one free annual credit report from one of the three major credit reporting agencies (Experian, TransUnion & Equifax). You can opt to get all three at one time yearly, or you can space them out over a few … [...]