Free Credit Report Time

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, 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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3 Responses to “Free Credit Report Time”

  1. Posh Keeves |  Jan 03, 2007 at 4:46 pm

    This is a nice blog, thanks! It may sound silly that you have to watch your credit report, but you would be amazed at the number of people who actually have errors on their credit report and they are completely unaware of it.
    In Making Your Credit Report Work For You, there are a couple of things that you can do.Hope you’ll find it and your many readers very useful.
    Have a super day!

  2. Steve Evans |  Jan 07, 2007 at 11:29 am

    I like this blog for its excellent postings.

    I agree that most should be paying much more attention to their credit report.

    I also think that the first step for those with excessive borrowing should be to form a plan pay off debt as a first step, and many of us need help with this. Our web site provides a calculator and advice provider which is saving people like you and me BIG money all the time, an all you need do to get started is to sign up for the system.

  3. Steve Evans |  Jan 07, 2007 at 11:36 am

    Apologies. Im my previous comment the link did not appear, so here it is.

    Assistance with credit repayment: Click here ofr the Pay Off Debt Calculator and Advice.