Time to check that credit report…

Every four months, I check my credit report from one of the three credit reporting agencies. Consumers are entitled to one free report from each agency per year – and I’m not one to let ‘free’ go to waste.

This month: Experian

I discovered the credit reporting agencies are getting a little sneaky. It’s becoming increasingly difficult to navigate these sites to find the free reports. Be careful where you click!

Posted by Beks on January 7, 2010 at 5:00 AM in Credit Cards, Credit Reports/FICO | 11 Comments »
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  1. Dollar Bill responded:
    Posted: January 7th, 2010 at 7:12 am

    Right, but you can go to the freeannualcreditreport website and easily navigate.

  2. Jenn responded:
    Posted: January 7th, 2010 at 7:15 am

    What he said. http://www.annualcreditreport.com is the site you can go to to get your free report from one or all three. Of course, the individual sites will still try to upsell you to your credit score and other things, but at least you start out in the right place.

  3. Bucksome responded:
    Posted: January 7th, 2010 at 7:36 am

    This is on my calendar for every four months as well. Thanks for reminding people to check it. I haven’t found errors yet, but you never know!

  4. Caitlin responded:
    Posted: January 7th, 2010 at 8:00 am

    I keep meaning to check if something like this is available for Canadians.

  5. mom responded:
    Posted: January 7th, 2010 at 8:40 am

    Excuse me miss pneumonia, but why are you up so early???
    And please don’t tell me that you just couldn’t wait to check your free credit score! What is a mom to do… Go back to bed dear, that report will still be waiting.

    Hugs, mom

  6. AprilFire responded:
    Posted: January 7th, 2010 at 10:20 am

    I just did mine yesterday, at Trans Union.

    @Caitlin: There isn’t a site available that will connect you to both available companies that handle this in Canada. You can retrieve your free reports from Equifax and Trans Union.

  7. Eddie responded:
    Posted: January 7th, 2010 at 12:31 pm

    Go to the aforementioned: http://www.annualcreditreport.com

    The “Free credit report”.com site (the one with the commercials on TV) is operated by, guess who, one of the 3 major reporting agencies. That one is a buyer beware: note their “Important Information” box about automatically getting enrolled into a “pay fer” service if you use them.

  8. John DeFlumeri Jr responded:
    Posted: January 7th, 2010 at 8:38 pm

    Thanks for the warning, today every company is looking for a way to make money off us. Free offers are not always free it seems.

    John DeFlumeri Jr

  9. Nicole responded:
    Posted: January 9th, 2010 at 11:30 am

    Thanks for the reminder!

  10. John responded:
    Posted: January 18th, 2010 at 8:19 am

    Did mine the other day. Was a lot better than I thought. Whew!!

  11. Alan Kang responded:
    Posted: February 20th, 2010 at 12:21 am

    thanks for reminder on updating my credit report.

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