Have You Checked Your Credit Lately?

The government has actually done one good thing for consumers lately and that was allowing you to check your credit report once a year per credit bureau for free.  This allows you to monitor your own credit once every four months for no charge.  This is how you do it:

Go to AnnualCreditReport.com and sign up, if you have not already.

Request a credit report from one of the three credit bureaus (Equifax, Trans Union, or Experian).  Make sure you are only requesting one of the bureaus and not all three.

Every four month come back to the site and request a different bureau.

This will allow you to continually monitor your credit without paying anyone a monthly fee to help you.  It has been a while since my wife and I pulled our credit so we will be doing this in the next few days to make sure no one is causing mischief.