Your Credit Report for Free

We have all heard ad's for "Free" credit reports only to visit a website to find out that the "Free" credit report is not so free.

With changes to Federal Law, all of the three major credit reporting agencies are required to provide a free annual copy of your credit report. You can get a free copy of your credit report by visiting www.annualcreditreport.com.

At www.annualcreditreport.com you can request a copy from each of the three main credit bureau's once a year. Because you can only get one report a year, I suggest you rotate credit bureaus and request one from each of the credit bureau's every 4 months. This allows you to monitor your credit report every 120 days at no cost. By the time you have hit all 3 credit bureau's, a year would have elapsed and you can start the process all over again. This allows you to monitor your credit without the cost of a credit monitoring service.

Credit monitoring is a growing business as identity theft continues to be one of the fastest growing white collar crimes in the US. For help on protecting yourself from Identity Theft visit this link provided by the FDIC.

Look for additional post on Identity theft and credit monitoring.

If you have a question about credit, credit scores and/or identity theft, send me an e-mail at dan@danmoralez.com. I will do my best to answer your question in future post.