Last year legislation was passed requiring all 3 credit agencies provide people with their credit historys, once a year, for free. Starting yesterday you could get yours. Here's the link with information from the Federal Trade Commission's site: [url]http://www.ftc.gov/bcp/conline/edcams/credit/ycr_free_reports.htm[/url]

Here's the link to get your credit reports (free, and with no catch!): [url]https://www.annualcreditreport.com[/url]

Western states can begin requesting on Dec. 1st while central and eastern states will be a bit later (Sept. 1st at the latest). See FTC.gov for more info.

well i'm on the east coast so that sux. :x

thanks neoee. been putig this off too long.

My credit is so bad I really do not care anymore.

^^you should to a degree...

I got mine a few months back (still was able to get it for free), and had some old credit card accounts from college that I had never used...you know you sign up, get the free shirt, etc., then chuck the card when it comes.

Took 'em right off...too bad too, I had about $20K total running on credit...:lol: But would have probably abused the hell out of them :CrackUp:

Silly as it sounds, it's good to just check once or twice...but if something's wrong, fix it. It seriously can affect you down the road for loans and mortgages for a new car, new house, etc.

Safe to say my score rocks...and I don't have any credit cards!! 8)

On a side note with that, thanks to my new retail job, I scratch my head at all these credit cards people sometimes have...no wonder everyone's so deep in debt they can't get out of it!! :shock:

Re: Free yearly credit report.

you guys are lucky... wish they'd do that here

strongly recommend everyone gets a copy of their credit report as soon as they can now its free. even if you think you have good credit. i thougth i had perfect credit - always pay every bill on time, ?10,000 credit limit over 2 cards and always paid off in full each month.... but was recently turned down for a mobile phone contract :evil: after paying ?20 or so to get my credit report it turns out the fucking credit agency has me listed as having "poor" credit because i had recently moved and all my credit cards and other shit was still registered with them at the old address. top that off with the fact i hadn't yet gotten on the electroral role at the new place (in the 3 weeks i'd been there :roll: ) meant i came up as a high credit risk. fucking madness :evil: :evil: :evil: