BellaOnline Forums Money Home Finance Credit Report Time!

Every July I run my credit reports to ensure they are accurate and doing well. The US government site that manages this is

AnnualCreditReport.com

It is the only government monitored one - the others you see commercials for are all for-profit entities that try to get you to sign up for items along the way.

I highly recommend you all run your reports once a year to check for issues!

Have you run your report yet this year?

One more helpful hint:

Since there are 3 agencies, you may request a Credit Report once a year from each of them. If you time it right, you can get one report every 4 months, thus keeping a close watch year round.

For example, you request Trans Union every July 1, Experian every Nov. 1, and Equifax every March 1.

That's an awesome idea Carolyn! It lets you stay on top of things!

Carolyn, that is a really good idea.

The scores are nice, but I have a hard time remembering to cancel those memberships in time, then I just feel bad for wasting money.

WellsFargo has been advertising that you can get a free credit report from them if you bank with them here in Alaska. It's a big ad campaign that started when our pfd checks were sent out.
I think its an odd ploy. Don't most people know already you can get your report for free once a year without having to commit to a particular bank?

Shoot I could have sworn I did this recently but looking in my directories I think the last time I did it was in 2010!! Yikes! And my nephew just realized, by looking at his credit report, that someone had bought a HOUSE AND A CAR in his name.

I'm running mine right now.

Do you run yours every year?

OK I have now run all three credit reports - for free - and all look fine. That's good!

I also have clearly made an entry on my yearly calendar so I'm sure to do it next year at this time.

Lisa,

Thanks for the reminder. Like you, I usually keep up with this but I think it has been over a year. I need to get onto this.

This is important for everyone to do.

Thanks for the website! I didn't know about it.

I'll note that this website is for US people.

I just looked up the Canadian website for someone, so there is the same service in Canada.

I would hope that every country offers something similar.