Something we probably all know (and if you didn't before, now you do): you are entitled, once per year, to a free copy of your credit report.
Something I learned today, that you may already know, but if you did not, learn from my mistake: FreeCreditReport.com is a commercial site that will give you a "free" copy of your credit report, but only after you sign up for a yearly membership @ $12.95/month. (in all fairness, you do have the option of cancelling your yearly membership during the first month and you will pay nothing; however, in order to cancel your membership, you have to search diligently through the website's FAQ section for the 800 number [which is 1-877-481-6826, if you need it], call said 800 number, wait on hold, and then talk to a customer service rep who will read through some binder filled with information you already know in an attempt to talk you out of cancelling your membership. Ugh.)
However, AnnualCreditReport.com is where you can get an actually free report, once per year, without buying anything (or, in my case, without nervously staring at a calendar).
Hope that helps someone.
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2 comments:
Hi Brendon,
This will be a big help to any of your readers seeking their free credit report.
A word of advice: Check your next couple of credit card statements to make sure you are truly cancelled. Experian, the company behind freecreditreport.com, has a habit of continuing to charge even after cancelling. It has happened to two people in my family.
Jeff
Credit Monitoring is a Rip Off!
Thanks for writing this.
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