Checking your credit report is important, and should be done annually in my opinion. It is simple – go to www.annualcreditreport.com.
Make sure you recognize all of the items on your report and that they are accurate. Since challenges and corrections have to be done in writing in most cases, it takes a while – you don’t want to discover a problem on your report while you are sitting at the dealership trying to get a new car.
You are entitled to a free report from each of the big three reporting agencies once every twelve months.I recommend checking one of your reports every four months. This way you can spread out the free reports while keeping an eye out for anything suspicious. Lastly, for those of you not using credit or worried about identity theft, you can always put a freeze on your credit through these agencies and that would make it much harder for someone to steal your credit.
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