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!
Beks is a full-time government employee who enjoys blogging late into the night after her four kids have gone to sleep. She’s been married to Chris, her college sweetheart, for 15 years. In 2017, after 3 long years working the Dave Ramsey Baby Steps, they paid off more than $70K and became debt free. When she’s not working or blogging, she’s exploring the great outdoors.
Right, but you can go to the freeannualcreditreport website and easily navigate.
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.
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!
I keep meaning to check if something like this is available for Canadians.
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.
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.
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.
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
Thanks for the reminder!
Did mine the other day. Was a lot better than I thought. Whew!!
thanks for reminder on updating my credit report.