I was just made aware of the fact, that the Fair Credit Reporting Act, requires that each of the 3 main credit reporting agencies, here in the United States, Experian, Equifax, and TransUnion, are required to give you, your credit report, once a year, FREE!

I went ahead and got one of my reports, today, and saving the other 2, to check later, in the year. I actually thought, it may be good cadence to check once every 4 months, using a different reporting agency, but I don’t know if that is bad, for your credit report? I guess I’ll find out, in time.

Nevertheless, I included this post, in the “Spirituality” category, because, this is peace of mind, when you know, what your credit looks like. In the very least, if it’s not peace of mind for you, at least you know whether or not, there are any fishy accounts, in your report, that you haven’t opened. Credit fraud is rampant, and a scary thing.

I actually have a block on my account, that any credit agencies, need to call me , to verify with me personally, before they open any new accounts. I don’t know if they just let you do that, or not, but I was able to do that , because of a previous case of identity theft.

So without further ado, here are the links to the, official free credit reports.

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt156.shtm

https://www.annualcreditreport.com

credit report · Finance · Freebies