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F – R – E – E, that spells FREE, CreditReport.com baby…

The commercials are great but unfortunately the reports may not really be free. Since it seems there may be costs involved, for now I’m going to dance with the one who brought me.  AnnualCreditReport.com is great for checking your credit reports and MyFico.com is great for checking your FICO scores. Both sites offer information that is really F – R – E – E, that spells FREE… 

There are laws that require the three major credit reporting agencies (Transunion, Experian or Equifax) to allow you to view your credit report at no charge, once every 12 months. To do so, I recommend visiting AnnualCreditReport.com and choosing to view just ONE of the three credit reports today. By NOT viewing all three today, this will allow you to view the second of the agency reports 4 months from now. Then you could view the third report for free at the 8 month mark. When the 12-month mark rolls around, you’ll be able to go back to the first report you viewed today and check it out again for FREE. So in other words, you’ll be able to check on your credit status for free every four months.

If you’re like me, you may be even more interested in seeing your FICO score. Your FICO score is the net result of all of the complicated details found in your credit report. You can check this for free at MyFico.com. Most lenders place great weight on a borrower’s FICO score when deciding whether to extend credit to the borrower. So check it out and see if you’ll be living in the suburbs and getting rid of that used sub-compact.

Posted by Jason A. Brown

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