It is time to order your FREE credit report again from www.annualcreditreport.com. Since you can only order one free credit report every twelve months from one of the credit bureaus, it is best to space them out and order one every four months.
That way you will be better able to see changes in your credit file over the year instead of having to wait a whole twelve months for the next set of reports.
You can get your free credit report from
Transunion
Equifax
Experian
by going to www.annualcreditreport.com and filling out the information. Don’t be fooled by the cute guy on the television who tells you to go somewhere else for a ‘free’ report as that report is for a monthly paid service.
I ordered my report from Experian in January and tried to get one today but because I have a credit freeze on my account (due to my identity being compromised in the past) I have to fill out and mail in some additional papers to get my new report from the bureau.
Remember to get your free report and see what is going on with your accounts. On another note…my credit score went up to 749 woo-hoo!
I always order all 3 at once because I have found they all have different info then I dispute something on wach one at the end of the 30 days you can view it. The dispute leaves it open for anothe 45 days and allows you access to it. at the end of that time likely you can dispute something else. People with poor credit can do this because they have so many default items and the dispute may actually pay off.