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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.

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This entry was posted on Thursday, May 1st, 2008 at 7:00 am.
Categories: Credit Reports.

2 Comments, Comment or Ping

  1. JBNo Gravatar

    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.

    May 1st, 2008

  2. PhilipNo Gravatar

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

    May 1st, 2008

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