Annual Credit Reports

[Sonya]

I always check mine in January so thought I would remind others

AnnualCreditReport

This site is totally free, there is no membership. You are entitled by law to a free copy of all three reports once every 12 months. It will not give you the score though, but gives you a complete report for free.

 

[targetsmom]

Instead of getting all three at once, you can also stagger them so that you get a fresh credit report (from a different source) every few months. That way you might be more likely to catch incorrect information. Of course, you have to remember to do it three times instead of once!

 

[dreaminmini]

Just be careful how many times you do check it though. I was told that the more times it is checked your score drops because they see it as you are incurring more debt.

 

[ohmt]

It doesn't start dropping until you've checked it so many times. 3 times will not bother it any.

 

[Sonya]

When you check your credit report it does not affect your score/rating at all...inquiries that do affect it are when you are actually applying for credit and the company pulls your report, those are shown on the report.