Did you know that you can request a free credit report once a year from the three major credit reporting agencies: Equifax, Experian, and TransUnion? The credit reports are available online at www.annualcreditreport.com or by calling 1-877-322-8228. You may want to request your reports one at a time (every four months) from each of the agencies. Remember, if you order all three credit reports at the same time, you will not be eligible to request them again until twelve months, or one year, has passed since your first request from each credit reporting agency. By staggering your reports, you can monitor your credit throughout the year without having to pay for a report. Note: Your credit score is not included with your credit report. You can purchase your credit score when you request your free annual report for a fee.

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