Minimizing Your Taxes and Managing Your Complex Affairs

Tax Tips, Finance Tips, Fun Events

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How To Get Your Free Personal Credit Reports

You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. To get your free credit reports, visit:

https://www.annualcreditreport.com/index.action

Since there are 3 agencies, I recommend getting one report every 4 months from a different agency instead of getting all 3 reports at once. That way, you can see changes to your credit report on a regular basis.

Make sure that you recognize the information on your credit report including your personally identifiable information, such as names, addresses, Social Security Number, accounts and loans. Then check that the other information on your credit report is accurate and complete. If you find information that you believe does not belong to you or is not correct, contact the business that issued the account or the credit reporting company that issued the report.

The Consumer Financial Protection Bureau's website has additional information on what to look for when reviewing your credit report.

Note: The reports do not give your credit score.

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Richard Pon CPA, CFP