free credit report

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      https://www.annualcreditreport.com/cra/index.jsp

      The link above is the official website that you can get you annual
      credit report from the 3 credit bureaus. It will not include the FICO.

      What I’ve read from clarkhoward.com is to get your credit report from
      one bureau (ex. Experian) check it thoroughly and in a couple of
      months get it from the second (ex. Transunion) bureau and then wait
      several months and check the third bureau(ex.

      Equifax). This way you
      can keep a track as to what Experian, Equifax and Transunion have in
      there files on you on a consistant basis and you can begin the cycle
      again. It doesn’t make a difference which you do first, it is up to
      your preference.

      Hope my explanation on spreading out checking the
      reports made sense.

      M 🙂

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