Well it’s been a little over a year since we moved into our house and I figured it wouldn’t hurt to run a free credit report on myself with the three credit reporting agencies. For those of you that don’t know you can request a free credit report every 12 months by going to http://www.AnnualCreditReport.com. You just enter in your Name, Date of Birth, SSN, and address information and you can then go get a free credit report from Transunion, Experian, and Equifax. It really is pretty simple. Once you get to the individual credit reporting sites you may be asked a few more specific quesitons about your credit history just to further verify it is you, but all in all it is pretty painless and best of all it’s free, so if you haven’t done it go ahead and check it out.
What you get is a complete history of every account that is on your credit report, unfortunately you don’t get your credit score for free, but for roughly an extra $5 (varies from site to site) you can get your credit score also.
I like to check up on my credit reports once a year or so just to make sure everything looks alright and also I’m considering possibly messing around with the balance transfer game and want to see where I sit.