When Should I Check My Annual Credit Report?
Q: I know that my annual credit report is free, but I don't know where to get it or when to get it. Also, what should I look for in my annual credit report?
A: We're glad that you're thinking ahead and also that you're smart enough to know to keep an eye on your credit. Identity thieves are thriving, so it's up to you to make sure that your credit hasn't been damaged by unscrupulous info sharks. You've got the right idea; the first step beyond monitoring your monthly bills is to check your annual credit report.
There are three major consumer reporting companies--Equifax, TransUnion, and Experian--and you'll want to request your report from all three, since each has slightly different data. While your record at Experian may be perfect, TransUnion might report something inaccurately.
However, it's a good idea to space out your requests since you're only entitled to one credit report per year per company. If you request all three at once, you'll be completely in the dark for the next 12 months--or you'll have to pay a fee to get another copy. As a result, many experts recommend requesting your annual credit report once each four months. For example, if you request your Equifax report in January, you'd wait until May to request one from Experian, get your TransUnion one in September, and head back over to Equifax in January. This keeps you in the know year-round--and you may want to mark the dates on your calender as soon as you get it to remind you.
To get your free annual credit report, you can visit annualcreditreport.com, or you can visit the invidual company's site. You'll be asked to provide some personal information, so be sure that you're on a secure connection. You'll also be asked whether you want to pay extra to receive your credit score. You don't have to know this number, but it is a good gauge of whether you need to improve your credit or not. Getting your credit score just once a year can be a great investment.
Now find out What You Should Look for in Your Annual Credit Report!
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