Quarterly Reminder: Check Your Annual Credit Report

by Kevin on May 1, 2008

AnnualCreditReport.com lets you check your free report from one of the three credit bureaus every year. If you stick to a set schedule and only check one at a time, you check a report every four months. Utilizing this strategy is an effective way to keep a consistent check on what is going on with your report. Granted, it is not a guarantee something won’t happen in between your reports, but its better than waiting a year.

We’re using this strategy and the last time I ran a report on each of us was January 1st. Four months later, and it’s time to check again.

We use this schedule, and I recommend you do too. I’ll be writing about it every four months to remind you, so why not?

  • January 1st
  • May 1st
  • September 1st

And, and never use that free credit report.com website. I won’t link to it, but they sign you up for monthly payments of $14.95 per month. That’s $179.40 for something you can essentially do for free.


JB May 1, 2008 at 8:21 am

This is a great idea! I’d like to implement it, but I’ll probably have to wait until the next go around – I checked with all 3 bureaus last June, I believe. But from now on I will be using this strategy.

Philip May 1, 2008 at 10:51 am

Thanks, I went and pulled my equifax report, nothing unexpected.

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