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My Annual Credit Report

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My Annual Credit Report

Each year I get my annual credit report to check on the status of the open credit accounts that I have been paying on as well as the accounts that have been paid off. Its a good idea to pull your own credit (especially the once a year free one) before making any big purchase. For instance, my wife and I are going to be car shopping in the near future. Rather than just accepting the dealerships stance that we can't get 0% financing due to a glitch on our credit or a late payment, I'll pull my annual credit report beforehand and won't end up with any surprises at the dealership.

My Annual Credit Report is FREE

Do what I did. Each year I make sure to get my annual credit report.

In order to fix your credit or credit score, you must first understand what your credit report looks like. According to the Fair Credit Reporting Act, you can get a copy of your annual credit report from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion). My recommendation is to go to annualcreditreport.com and get your free annual credit report if you have not already done so this year. Otherwise you can give them a call at 877-322-8228.

Once you have all three of your credit reports, sit down and review them for accuracy. Each of these credit reports will have their own individualized information. Meaning, you may find that a certain creditor shows up on one of your credit reports and not on another. You may find that one agency shows a late payment on an account while others show no late payments on that same account. You may also find that if you had moved quite a bit, again this information may be on one credit report but not another. Based upon personal experience, I can tell you that you might find inaccuracies relating to duplicate credit items and medical or utility bills that may not belong to you. We will take care of that at a later point. For now, realize that according to U.S. law, you have a right to the free annual credit report from the big 3 and you have a right to dispute any inaccuracies in those credit reports.

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