For the past several years, we have been getting a copy of free credit report every 4 months (as NJ residents, we were eligible for a free report every year well before the law mandated a free credit report from all three credit agencies for everybody every 12 months). The last time I ordered a report was on September 2nd, 2006 from Equifax. When I woke up this morning and checked my email, I saw the first reminder of 2007: Get a credit report from TransUnion! Of course, you can choose to get all three reports at once, so you don't have to remember when to get what. I prefer to get one every 4 months. Though the free service is not as good as the paid ones with which you can monitor your credit continuously, it helped us to stay on top of the information.
To order yours, you should not try to Google "free credit report." The only authorized website for free credit report is AnnualCreditReport.com, which you can find on FTC’s website (on the left, there is a Free Annual Credit Reports button). Also it has to be exactly 12 months, not one day earlier.
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