The Basics: Requesting Your (For Real!) Free Credit Reports

I’ll say it again: this is not a financial literacy or a repair-your-credit website. But since I was checking my Credit Reports, I figured I’d write about it.

You should really be checking your Credit Reports and Credit Scores, too. Say, once a year, at least. And, because of the Fair and Accurate Credit Transactions Act (FACTA) passed in 2003,  you can get your FREE Credit Reports from the three major credit reporting agencies, Equifax, Experian and TransUnion at the site: AnnualCreditReport.com. This is not a gimmick; this is not a come on (although each agency will try to up-sell you in order to get your Credit Scores).

I check my Credit Reports and Credit Scores obsessively (at least once a week or more), but I still visit this site annually because I know these Credit Reports should represent the exact information that each agency  provides to lenders and other interested parties. Continue reading “The Basics: Requesting Your (For Real!) Free Credit Reports”