Check your credit report for free

Recently, I’ve noticed ads on the Internet and on TV about getting your free credit report, but usually there’s an asterisk saying something about having to sign up with some service or purchase some product. That’s not exactly free, is it?*

Anyway, you might recall I’d posted about being able to check your credit report for free once a year. What I said was a little misleading. You can check your credit report at each of the three credit reporting agencies for free once a year. Since they are more or less going to be the same, you can actually choose to check your credit report from a different agency every four months. Or you might still want to get all three at once just to compare them to one another.

Don’t forget that if you’re ever turned down because of your credit history, you have the right to request your credit report for free. This happens every time I try to finance that Ferrari.

AnnualCreditReport.com

FTC: Fair Credit Reporting Act

*No, it isn’t.

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