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When was the last time you checked your Credit Report?

 
ILOVEMYBOYS704

Asked by ILOVEMYBOYS704 at 7:22 AM on Jul. 15, 2010 in Money & Work

Level 21 (10,595 Credits)
This question is closed.
Answers (12)
  • Just this week! We're trying to have our home re-financed, so it had to be done! Thankfully, all 3 scores have gone up!
    TimandMely4ever

    Answer by TimandMely4ever at 8:36 AM on Jul. 15, 2010

  • my husband handles that, and i believe he checked last month. our score has gone up since the last time he checked.
    nemiller

    Answer by nemiller at 7:23 AM on Jul. 15, 2010

  • This is official free site (yes, I know it says "com", but this is the site, free and no credit card requested) AnnualCreditReport.com.

    happytexasCM

    Answer by happytexasCM at 8:03 AM on Jul. 15, 2010

  • Last week.

    I use www.annualcreditreport.com 3 times a year (use a different company each time) for my credit report and www.creditkarma.com to check my credit score. Both are free if you do it right.
    michiganmom116

    Answer by michiganmom116 at 8:33 AM on Jul. 15, 2010

  • two months ago...
    sillyme85

    Answer by sillyme85 at 7:30 AM on Jul. 15, 2010

  • I tried to check mine but they wanted a credit card number. I thought it was free. They said they wouldn't charge me so why do they need my card number? I logged off after that. Where can I go without having to give my cc info. I went to freecreditreport.com
    Anonymous

    Answer by Anonymous at 7:31 AM on Jul. 15, 2010

  • Every couple months now.
    pinkdragon36

    Answer by pinkdragon36 at 7:35 AM on Jul. 15, 2010

  • Each of the 3 major credit agency (experian, transunion, and equifax) allow you to check them for once a year for a very small fee/free. You just have to go directly to their site. We check it every 4 months, using ONE of the free/low cost credit check from EACH credit agency directly. Janurary we check with experian; May-transunion; September-equifax; Janurary the cycle starts over again with a check with experian. It works because then it's free/low cost and we are directly dealing with the actual credit agency and not a 3rd party handler like freecreditreport.com or any of the other sites out there that claim to check your credit report. We are allowed to check every 4 months like that because each of the credit agencies allow you the consumer 1 check per 12 months. We staggering who we are checking with that we we can check every 4 months.
    SAHMinIL2

    Answer by SAHMinIL2 at 7:56 AM on Jul. 15, 2010

  • I have never checked mine. I'm sure it sucks. I doubt I have any credit because I have always paid my bills with cash.
    LisamomofJames

    Answer by LisamomofJames at 8:03 AM on Jul. 15, 2010

  • 5 years? my credit is so destroyed by medical debt i dont even worry about it anymore
    sati769leigh

    Answer by sati769leigh at 8:27 AM on Jul. 15, 2010

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