Free is like a dirty word. People have to change it to FR33 or f*r*e*e just so spam filters won't block it. But sometimes free is free. And you can get a FREE copy of your credit report every year.
Don't be foolish and listen to the "freecreditreport" commercials. That is not free. That is a credit monitoring service that is free for one month, then like $15.00 a month after that. Honestly it is the biggest waste of money ever. If you are currently paying for this service, stop now! Even if you paid for a copy of your credit report each month, it would not run you $180.00 per year.
You can go to http://www.annualcreditreport.com/ and get a free copy of each of your credit reports (there are three) once per year. My recommendation is to pull just one report every 4 months. You could start with Equifax, then do Transunion, then finally Experian. When you do it this way, you are basically self-monitoring your credit and you are not paying anyone anything!
All you need is some basic account information on yourself to verify your identity, and you can see your report instantly. You can even save the report online and access it for 30 days. Better yet, you can even dispute inaccurate information. A recent study showed that over 80% of all credit reports contain some kind of erroneous information.
So, free is free. You should do this today if you have not received a copy of your credit report in the last 12 months. If you need help deciphering it or have other credit questions, email me, call 877-942-2769 of just stop by the lot at 537 Richmond Avenue, Staunton, VA 24401.
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