May 25, 2010

Spread Out Your Free Credit Reports

You can get your free credit report online via the  But if you get all 3 reports at one time then that just gives you a snapshot of your credit once every 12 months.  It would be ideal to check your credit more frequently.   An easy way to do that is to spread out how you access your free credit reports over multiple months rather than getting them all at once. allows you to get a free credit report from Experian, Equifax and Transunion every 12 months.   You could get all three reports at at the same time or just get them one at a time.  Quizzle lets you get a free Experian credit report and score every six months.

Between Quizzle and you can get  five free credit reports every year.  If you spread these out then you can effectively check your credit report for free every 2 1/2 months.

You could spread out your credit reports to access them like this:

Jan 1 - Experian via Quizzle
Mar 1 - Equifax via Annual Credit Report
June 2 - Experian via Quizzle
Aug 6 - Transunion via Annual Credit Report
Oct 22 - Experian via Annual Credit Report

This would spread out your free credit reports and allow you to check a credit report for free every 2-3 months.

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