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:
Equifax - November 1
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!