CHECKING YOUR CREDIT REPORT

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Today I’m going to share how easy it is to check your credit report. It has been one of those things on the bottom of my to-do list for months. It does not sound fun to do, or to blog about either. I’m pretty sure it is one of those things no one enjoys doing, like taxes. I decided for the New Year I would get organized and cross those things off my list. If you are like me, go ahead and bump that item up on your list! In less than 15 minutes you can be done and have that item crossed off your list for a whole year. I’m no expert, I just checked mine for the first time, but I was surprised at how quick and easy it is! The best news is it’s free. I learned about credit reports in college and taught high schoolers about them. I guess I’m finally done being the hypocrite and checking my own too.

credit report

About two months ago I started receiving mail for Christy. At first it was quite funny because we thought it was a typo and so we opened the package. Inside was three hard plastic collectible zebras. We brushed it off as a promotion from one of the mother/baby things I’d signed up for, like Pampers or Similac, or a way random baby gift. It went a while before we received more mail for Christy so I really thought it had been a typo. A few weeks ago a few things started rolling in. We got some White Lands Protection flyer and a few other things. We recently just got a letter from Social Security. This put me in a bit of a panic. I remembered my mom’s identity getting mixed with some other lady’s and what a mess that was to straighten out. So I broke down and checked my credit report. Good news, I’m not mixed up with Christy, or at least not yet. Plus it showed that everything was accurate on the reports. Its relaxing to know that I’m me, my information is all accurate, and that Christy and I can go on living our separate lives.

A LITTLE ABOUT CREDIT REPORTS

  • you can check your report from 3 agencies for FREE once a year (I checked all 3 on the same day, or you can space them out over the year)
  • the 3 reports may have different items listed because each agency receives different information, so it is a good idea to check all three each year to ensure all information is accurate
  • if there are errors you can dispute the errors with the Federal Trade Commission (FTC)
  • your report will have:
    • personal information: such as your name, addresses, employment
    • account information: such as when an account was opened or closed, how good you are at paying, balances, etc.
    •  public records: such as bankruptcy or foreclosure
    • credit inquiries: credit card companies, employment, insurance companies, car loans, etc. These inquiries may or may not effect your score.
  • your FREE credit report will not have your credit score, you can pay $ and get your score

HOW TO CHECK YOUR CREDIT REPORT

  1. go to annualcreditreport.com and enter the required information
  2. decide whether you want to get all 3 reports in one day, or to check one and space them out over the year
  3. print report, verify everything is accurate, and save in your records

 

Good luck with those New Years Resolutions!

Larisa

Larisa

Here’s a little about me: I usually don’t buy things that I could make. I like to read and learn. I have dreams of being a mom, living in foreign countries, and trying new things. I take a ton of pictures. I collect rocks from the places I’ve been. I’m trying to learn French. I like to eat. I’m a Mormon.

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