Free Annual Credit Report

Financial self-knowledge is POWER. So get your free annual credit report here.

Even though the report itself is free, getting your credit *score* will cost you, but it’s CHEAP — between $5.95 and $7.95. It’s more than worth it, because it’s your credit history (in that report) *and* that credit score that lenders, HR departments, and even utility companies look at. If you don’t know your credit history and your FICO/Vantage Score, then you are not in control of your financial power. *They* are. PERIOD.

I got mine from all three reporting agencies (TransUnion, Experian, and Equifax) this morning because I’m obsessive/compulsive that way. All three credit reports were free. I coughed up the three fees to see my credit scores, however — paid for with my Amex card so that I can get the Reward Points. 😀 You get your reports and scores instantly, online; I printed mine out for my records.

I have *a lot* of debt, mostly from two sources: a *gigantic* graduate school loan, which I consolidated into a low-APR thingie last year; and the mortgage. But both debts are considered “good” debt — the “bad” being consumer debt, like credit cards — and I have virtually no balances on my two cards. My credit score is way up there, thanks to Creative Debt Management. Theoretically, with my good credit, I can take my Amex card and buy a tiny island, if I wanted to.

But I ain’t gonna. I just don’t make that kind of money to ever pay back that kind of credit card bill! 🙂


About lizardqueen

If single-mothering were a paid job, I'd be rich. However, it doesn't, so I write (which doesn't pay the bills) and teach (which does). I'm overly-educated in the liberal arts, but that doesn't hinder my ability to be pragmatic and realistic. YAY.
This entry was posted in AVOCATIONS, Personal Wealth. Bookmark the permalink.

4 Responses to Free Annual Credit Report

  1. David Simonds says:


    I greatly enjoyed looking through your blog and found some informative posts on finance.I have also some finance related web sites having more information regarding various financial problems and its solutions.So,I think it would be beneficial for both of us if we will join in a community and become link partners to each other which will help your blog/site in getting more Google values.If you are interested then please contact me at- davidsimonds007(at)


  2. lizardqueen says:

    Yup, an annual check-up is more than enough. I figure, what it being free annually (but you’d have to pay if more often than that), then the financial advisor professionals also see once-a-year max as well.

    I see it as the annual fiscal check-up. 🙂

  3. Zathras says:

    Be careful about checking it too much, however. Each time that it is checked is noted, and if it is checked a lot your credit score can go down. Once a year should not be a problem.

  4. JimDesu says:

    Yeah, the irony: extending credit guaranteed to ruin the borrower. I keep getting “convenience checks” in the mail from MBNA for an amount I’d only charge if I were planning ahead to flee the country.

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )


Connecting to %s