Crystal Groves

I checked my credit report on Sunday since I hadn’t checked it since last spring, though technically I was given a copy from my mortgage lender in September. Regardless there’s been a lot of activity lately with buying the house, the identity theft, etc, so I was curious.

For those of you that don’t know, you can get your free credit report with Experian, Equifax, and TransUnion at annualcreditreport.com. It’s the only place you can get it for free unless your bank offers you the ability to send you your credit report, which I know some do. This doesn’t give you your FICO score, those you have to pay for, but it does give you a list of credit items in your credit history.

I personally suggest checking one of those every 4 months, instead of all 3 at the same time once a year. That way you can keep tabs on your credit throughout the year. A lot can happen in a year, and a lot of damage can be done in a year.

Anyway, I can’t check Equifax until the end of April (my big one), so I decided to check Experian, that way I can check Equifox sometime this summer.

Everything looks kosher, still only one negative item on my account from 2004, which probably won’t drop off till 2014. But I don’t need credit for anything right now, or maybe even ever again I don’t know.