More on your free credit report
As reported in an earlier blog entry, the Fair and Accurate Credit Transactions Act contains a provision that requires the national credit reporting bureaus (there are three - Equifax, Experian and TransUnion) to allow consumers to obtain one free copy of each of their three credit reports once every year. It started December 1, and is being phased in over ten months from the western part of the US to the eastern.
The website to visit is annualcreditreport.com. You can get your credit report online, or there is a toll free number - (877) 322-8228, or you can fill our the online request form and mail it in. Visit the website for further details.
Why would you want to get your credit report?
First and foremost would be to review it and correct errors. As a practical application, if you are planning to apply for credit (say, to get a home loan), if would be a good idea to check your credit report BEFORE applying for a loan. In that way, you can make sure it accurately reflects your credit.