Friday, September 01, 2006

Credit Check Time

And it’s Equifax’s turn.

With the recent amendment to the federal Fair Credit Reporting, getting a free credit report has never been easier. Now everybody is eligible for one free credit report from each of the three credit agencies.

Since 2006, when the free credit reports became available for New Jersey residents, I set up a reminder on January 1st, May 1st, and September 1st, to get a free report. Instead of getting all three reports at once, I request of a copy every four months from one of the agencies. In this way I can continuously monitor my credit throughout the year. Should there be any error, I don’t have to wait for a year to catch it.

Since tons of “free credit report” offers out there, you have to make sure that you get the real stuff you intend to get instead of some commercial products that are not free at all. Don’t try to search

"free credit report"
"free credit score"
"free credit check"
"one free credit report"
"free credit report online"
"free credit monitoring"
"free credit rating"
"free credit history"

If you do, it’s likely you will end up in those dirty hands. The only authorized website for free credit report is AnnualCreditReport.com, which you can find on FTC’s website (on the right, there is Free Annual Credit Reports button).

Enjoy you free credit reports!



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