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Three FREE Credit Reports Annually

July 14th, 2011 at 08:58 pm

I just thought I would take a moment to let everyone in on a little-known secret.

So, everybody knows that you can get a free credit report annually. However, very few people realise that you can actually get one for free every four months.�

The 'trick' is just going to each individual credit union and getting a free report through them, rather than going to one of these free credit report web sites with a ridiculous jingle.

Here is my rotation:

Text is Experian and Link is http://experian.com/
Experian - March 1
Text is Equifax and Link is http://equifax.com/
Equifax - November 1
Text is Transunion and Link is http://www.transunion.com/
Transunion - July 1�

This way, you can monitor your credit report regularly, and for free. Remember, you cannot view it for free again one year later. That is why we use a different one every four months.

Happy Credit Reporting!

Posted in Debt, Personal Finance, Saving Money | 2 Comments »

2 Responses to “Three FREE Credit Reports Annually”

  1. Petunia 100 Says:
    July 14th, 2011 at 09:10 pm 1310674223
    1310674223

    I think this is a great strategy. I like it so much that I do it too, but I order them through annualcreditreport.com. I have a manilla file with all 3 printed out, then just refer to the date stamp on the page to know if it is time to print a new one. My months are February, June and October. Smile

  2. uRabbit Says:
    July 14th, 2011 at 10:36 pm 1310679373
    1310679373

    Another good site. I should also mention that Transunion requires you to enter payment information. And then, at the end of the 7 day trial, you are held responsible for canceling, or else facing charges for a membership to check your report at any time.

    So, some may prefer annualcreditreport.com. I forgot about that one. Thanks!

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