I have talked to people that have been scared to pull their credit report from fear of what may be on it. Many times it’s not as bad as we think. They should be pulled so you can know who and how much you owe to begin the process of settling those old debts that will surely come back to haunt you one day. Another reason is to make sure no one has stolen your identity. You want to make sure you don’t have any open accounts that you know nothing about.
You can get a free credit report from each of the three nationwide consumer credit reporting companies once every twelve months. You can order them all at once but I prefer to get one every four months to keep track
of any changes or new information. You will be able to get one from Experian, Transunion and Equifax.
Be mindful of other websites that offer “free credit reports.” You will be able to get a free report but you will need to leave your bank account information because you sign up for a free trial membership of a credit monitoring service. If you don’t cancel your membership within the trial window you are automatically enrolled for the monthly premium withdrawal.
