It’s that time again…..time to check our credit! 3 times a year, I check my credit through the ONLY reporting agency that doesn’t negatively affect my credit…and it’s free. I use https://www.annualcreditreport.com. I do this post several times a year as a reminder to check your credit. There are 3 reporting agencies: Equifax, Experian and Transunion. I pull one report every four months. That way, I keep an eye on my credit throughout the year and since each reporting agency may have slightly different info, I get to compare them every year.
Read these posts for the detailed info on checking your credit and what I think is the best routine.
I check Equifax in January, Experian in May and Transunion in September. I remember the order because I check them based on the alphabetical order of the agencies.
Now that I am familiar with the reports, it is very easy for me to look them over for any red flags. So take 5 minutes, pull your credit and make sure YOU are the only one involved in your financial transactions!