UPDATE - This is for Todd. Credit report looks good. Credit freeze is on! It was easy to do online at:
Experian
TransUnion
Equifax
Cost for all 3 was $0 (FREE) for Indiana residents.
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This morning I went to annualcreditreport.com and printed my credit report from the three credit bureaus for free.
Annualcreditreport.com is the official site to get your free credit report without any strings attached that could cost you money.
There are other sites with hypnotically catching jingles (you just can't get it out of your head) that claim to be free but that come with strings attached. The most common is automatic enrollment in a "free" trial membership to a credit monitoring service. If you don't cancel your membership within the 7 day trial you get billed $14.95/mo. until you cancel.
I'm going to review my reports to make sure that there isn't anything on them that I'm not aware of. If there is, I'll investigate because it might be a sign that someone is using my identity to request credit.
After I'm sure that my credit report is in good order, I'm going to freeze my credit so that no one can open a credit account using my identity.
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4 comments:
Dave,
I'll be waiting for your post that says you froze your credit.
Todd
One thing I hear Dave Ramsey and other financial gurus suggest is to NOT pull all three of your credit reports at the same time, but instead to pull one of them every four months. Experian in January, Transunion in May, and Equifax in September for example. This lets you keep a closer eye on your credit and is still free!
Justin,
That's a good plan. Thanks for sharing.
Dave
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