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How to get two free credit reports a year

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Mon, 09/20/2010 - 01:06
purplerain's picture
purplerain
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Joined: 03/24/2009
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 This is a good article from Jim Wang at Bargaineering. 
 

Short answer: Live in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey or Vermont.
Long answer: In the seven states listed above, there are state laws that that require the credit bureaus to provide your credit reports absolutely free. These laws are in addition to the Fair Credit Reporting Act (technically, it’s the 2003 Fair and Accurate Credit Transactions Act which amended the FCRA) that requires the bureaus to provide your credit reports once twelve months, which you can access through AnnualCreditReport.com.
 

http://www.bargaineering.com/articles/free-credit-reports-year.html

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Mon, 09/20/2010 - 16:46
#1
Zoey's picture
Zoey
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Re: How to get two free credit reports a year

 That's interesting. Is it not a bit over the top though to want to check with a credit agency every two months? 


Top Ten Reasons Why I Procrastinate.
1.
 

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Fri, 09/24/2010 - 19:34
#2
cheapncheerful's picture
cheapncheerful
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Re: How to get two free credit reports a year

 I don't think it is Zoey. Look how much damage identity theft can do to your life. 


The only reason a great many American families don't own an elephant is that they have never been offered an elephant for a dollar down and easy weekly payments. - Mad Magazine.

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Sat, 09/25/2010 - 15:29
#3
micharch
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Re: How to get two free credit reports a year

I get a free credit report about every 4 months (one annual credit report from each company every four months). DW does the same. It's free stuff that  can pay off well if a credit problem crops up during the period. I have never found an error, but that does not mean that I stop checking my account.
 
Also...two free credit reports ...shouldn't it be three free...?

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