I kick off every New Year by grabbing a free credit report. That explains my joie de vivre.
AnnualCreditReport.com is actually free, unlike FreeCreditReport.com which costs almost $200/year. As I say in my video below, what’s next? A Free Lexus for $30,000? An ALL cotton shirt made of 100% polyester? Vegetarian chili…with Chicken!??? It don’t make no sense.
Anywho… AnnualCreditReport.com is the result of 2003 federal legislation. It gives you one completely free credit report annually from each of The Big 3 credit bureaus: TransUnion, Experian, and EquiFax. You can pull all three reports at once, or space ‘em out. I pull one every few months to make sure everything’s kosher.
Using annualcreditreport.com does not affect your credit score. Because it’s YOU pulling your own credit report, it does not count as a credit inquiry.
So go ahead, live it up! If you see something hinky on there, read this post to see how to fix it. I strongly suggest you print out each full report to a PDF so you can easily reference it later.