Do You Know What Is On Your Credit Report? Find Out Free - Really!!!

By
Real Estate Broker/Owner with Garrigus Real Estate CalBRE# 01844442/01844441

Do You Know What Is On Your Credit Report? Find Out Free - Really!!!

So I was going through my email today, and came across an email from Trans Union reminding me that I hadn't signed into my account with their website to review my credit report since last year.

I check my credit reports and my wife's once a year just to be sure there's nothing on them that I don't know about. But before you rush off and buy a peek of your credit reports, either through the so-called free credit report websites, or pay the credit bureaus themselves, I've got a well-known secret to share with you-

Credit ReportThanks to a federal law, everyone single person is entitled to one free credit report from each of the credit bureaus per year. Yep. Equifax, Experian and TransUnion all are required to allow you access to your credit reportsonce a year. And there is a very easy way to access all three reports.

Just go to www.annualcreditreport.com. Its a website provided by the combined efforts of Equifax, Experian and TransUnion. It is free, but be careful. They have certain upgrades they try to convince you to sign up with. Some upgrades are good, some are not. Just be sure if you do upgrade, its right for you. But again, watch everything you're doing, otherwise you could end up spending money when you had no intent to.

Also keep in mind that while you are allowed to see all three of your current credit reports, that does not entitle you to view your FICO score. If you want that you'll need to buy it.

So I'm off to check my credit reports and make sure there's no funny business in there!

 

Yucaipa REALTORS®

Posted by

Todd & Devona Garrigus

Broker / REALTORS®

951.490.3698 | Direct for Todd
951.490.3683 | Direct for Devona

www.GarrigusRealEstate.com
CalBRE# 01844442/01844441

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Re-Blogged 1 time:

Re-Blogged By Re-Blogged At
  1. Devona Garrigus 10/29/2011 10:58 AM
Topic:
Lending / Financial
Location:
California San Bernardino County Yucaipa Hidden Meadows
Groups:
Coldwell Banker Platform for Sharing Information
Inland Empire Marketing
southern california real estate agents
Beaumont CA Real Estate
Coldwell Banker Kivett-Teeters
Tags:
credit score
fico
equifax
experian and transunion

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Ambassador
1,704,310
Tammie White, Broker
Franklin Homes Realty LLC - Franklin, TN
Franklin TN Homes for Sale

I also take advantage of this free site.  It is so smart to check your report every year to make sure there isn't something there that shouldn't be.

Jan 15, 2010 03:41 PM #1
Rainmaker
2,895,975
John Pusa
Berkshire Hathaway Home Services Crest - Glendale, CA
Your All Time Realtor With Exceptional Service

I will get a free credit report. Thank you for sharing an informative and helpful post.

John Pusa

Jan 15, 2010 04:21 PM #2
Rainmaker
820,071
Norma J. Elkins
Elite Realty Group - Morristown, TN
Realtor - Elkins Home Selling Team

Thanks for sharing - I am going to check this out!

Jan 15, 2010 10:49 PM #3
Rainer
225,344
Dave Sullivan
Real Estate One - Birmingham, MI
Michigan Realtor with an investor viewpoint


Good info if you would like to watch me order my free credit report and find out how to get your real FICO score for free watch this http://www.thecreditguy.tv/get-your-credit-report-real-fico-score-for-free/

Jan 30, 2012 12:22 AM #4
Rainmaker
612,514
Todd & Devona Garrigus
Garrigus Real Estate - Beaumont, CA
Broker / REALTORS®

Dave,

I checked out your video. Great stuff! And thank you for your comment.

Jan 30, 2012 06:50 AM #5
Rainmaker
1,394,508
Jeff Jensen
The Federal Savings Bank/Lending in 50 states - Greenwich, CT

Keep in mind that free credit reports use a different scoring model form mortgage reports.  The free scores are invariably higher.

Aug 05, 2014 08:00 AM #6
Rainmaker
1,523,755
Sybil Campbell
Long and Foster REALTORS® 5234 Monticello Ave Williamsburg, Virginia - Williamsburg, VA
REALTOR® ABR, SFR, SRES Williamsburg, Virginia

Thanks for the information I know I have good credit but it's nice to see the reports too!

Aug 05, 2014 08:31 AM #7
Ambassador
2,301,090
1~Judi Barrett
Integrity Real Estate Services 118 SE AVE N, Idabel, OK 74745 - Idabel, OK
BS Ed, Integrity Real Estate Services -IDABEL OK

I have used this website in the past but haven't in a while. Thanks for reminding me. 

Aug 05, 2014 10:49 AM #8
Rainer
196,465
Karen Mathers - REALTOR®
Keller Williams Vero Beach - Vero Beach, FL
When it Matters, Choose Mathers! 772-532-3221

Fantastic post!  I will be sharing this information with friends, family and clients! 

Aug 06, 2014 01:33 AM #9
Rainmaker
166,642
Lee Davenport
Sandy Springs, GA
Learn With Lee: Real Estate Coaching & Consulting

Thanks!  Plus, many credit card companies like Capital One now offer free monthly monitoring due to the rash of data breaches in the last few years.

Aug 07, 2014 04:01 AM #10
Rainmaker
1,026,862
Kevin J. May
Florida Supreme Realty - Hobe Sound, FL
Serving the Treasure & Paradise Coasts of Florida

Todd & Devonna, this is almost always the first recommendation I make to first time Buyers.  I change it up a bit by cycling the free reports throughout the year.  When and if a hiccup arises you can nip it in the bud every couple of months instead of the full year.  A very good posting for anybody!  

Aug 08, 2014 11:27 PM #11
Rainmaker
612,514
Todd & Devona Garrigus
Garrigus Real Estate - Beaumont, CA
Broker / REALTORS®

Kevin J. May Thanks for the great suggestion and compliment. I like the idea of cycling through the reports.

Aug 09, 2014 04:04 PM #12
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Todd & Devona Garrigus

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