Today on the local news they mentioned the free credit report again. This time I paid closer attention, and they gave a link to the site where the credit report really is free. No strings. Just free. Just in case you've been distracted, like me, by the seemingly free credit reports with the catchy songs, this is the one you were looking for: AnnualCreditReport.com
The site is sponsored by the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion, and once every 12 months you can request a free credit report from each of them through the site. All three reports do not have to be requested at the same time, so you can request your report from Equifax now, wait 4 months and request your report from Experian, wait 4 months and request from TransUnion, and then repeat the cycle. That way you can keep an eye on your credit reports throughout the year and hopefully catch any discrepancies right away.
