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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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