By federal law, upon your request, each of the 3 major credit bureaus are required to provide you with one free copy of your credit report. If you want a credit score– you must pay for it. You can request reports for each agency all at once or space your requests out from the 3 bureaus throughout the year (every 3-4 months).
It is important to review your credit report to track and improve your financials, and combat fraud and identity theft.
- How to Get a Free Credit Report (answers.com)
- Cleaning up your credit before getting a loan (cardhub.com)
- Do You Really Need to Pay for Credit Monitoring? (moneyning.com)
- Mint.com Facebook Fan Q&A: Which Credit Reporting Sites Can I Trust? (mint.com)