The Porter Method » Credit Report http://www.theportermethod.com/blog A look into the thoughts and opinions from the mind of Doug Porter. Tue, 15 Nov 2011 05:08:59 +0000 en hourly 1 http://wordpress.org/?v=3.1.4 September 2008 Free Credit Report – Experian http://www.theportermethod.com/blog/2008/09/29/september-2008-free-credit-report-experian/ http://www.theportermethod.com/blog/2008/09/29/september-2008-free-credit-report-experian/#comments Tue, 30 Sep 2008 04:49:10 +0000 Doug Porter http://www.theportermethod.com/blog/2008/09/29/september-2008-free-credit-report-experian/ Continue reading →]]> Wow, I got busy and somehow a whole year has gone by since I last checked on my credit reports. I don’t recommend that. Check yours every 4 months. Hopefully I can get back into the routine. Soon I will be writing about something new and exciting from the credit reporting agencies that should eliminate almost all identity theft if done correctly. It is called Credit Freezes. It isn’t free but it will be well worth it. I’ll keep you informed once I get some free time.

So for those that don’t know, you are entitled by law to a copy of your credit report from each of the 3 credit bureaus once per year. It is a good idea to spread these out and request one report every 4 months. This lets you keep an eye on your credit report throughout the year and makes it more likely that you will quickly notice any inaccuracies or problems with the report.

I just retrieved my credit report from Experian and as I would expect, all is well. Another 4 months (January 2009) and I’ll check with Equifax.

To request your free credit report go to: AnnualCreditReport.com

The credit report is free, but the credit bureaus try and convince you to pay for additional services (credit score, credit monitoring, etc). So be sure to say No to any of these items if you want a truly free credit report.

Now go ahead and pull yours and make sure everything looks ok. Especially with the crazy market conditions we are in, you are going to need some pristine credit going forward, so time to get any incorrect information fixed if you see it.

Here is a link to the Federal Trade Commission’s site regarding your free annual credit report: http://www.ftc.gov/bcp/conline/edcams/freereports/psa.html

Oh, and remember, even though those commercials on TV with the guys in the band singing songs about how they are in dire situations due to poor credit (singing in a fish restaurant, a basement apartment, etc) are awesomely funny, the site they are representing is not for the free credit report. It is for a pay service. Don’t go to their site. Go to AnnualCreditReport.com. This is the only free site.

]]> http://www.theportermethod.com/blog/2008/09/29/september-2008-free-credit-report-experian/feed/ 0 September 2007 Free Credit Report – TransUnion http://www.theportermethod.com/blog/2007/09/10/september-2007-free-credit-report-transunion/ http://www.theportermethod.com/blog/2007/09/10/september-2007-free-credit-report-transunion/#comments Tue, 11 Sep 2007 01:56:53 +0000 Doug Porter http://www.theportermethod.com/blog/2007/09/10/september-2007-free-credit-report-transunion/ Continue reading →]]> Once again I’m late on getting my last credit report for the year writeup but here we go. As many of you may know, you are entitled by law to a copy of your credit report from each of the 3 credit bureaus once per year. It is a good idea to spread these out and request one report every 4 months. This lets you keep an eye on your credit report throughout the year and makes it more likely that you will quickly notice any inaccuracies or problems with the report.

I just retrieved my credit report from TransUnion and all is well. Another 4 months (January 2008) and I’ll check with Experian.

To request your free credit report go to: AnnualCreditReport.com

The credit report is free, but the credit bureaus try and convince you to pay for additional services (credit score, credit monitoring, etc). So be sure to say No to any of these items if you want a truly free credit report. Silly TransUnion has you create a login and then wants you to use it a year later when you come back. Good luck with that. I had to re-authenticate since I had forgotten my username and password.

Now go ahead and pull yours and make sure everything looks ok. It is a sad fact of life that your credit history is extremely important and can open or close many doors based on what information it contains.

And as I always say, if you really want to spice up your love live with your significant other, how about exchanging credit reports with that special someone. Honesty in a long-term relationship is extremely important, and if you can’t be open about your financial standing then you really aren’t sharing everything. Plus, nobody wants to find out a week after the honeymoon that your partner is $100,000 in credit card debt :-)

Also here is a link to the Federal Trade Commission’s site regarding your free annual credit report: http://www.ftc.gov/bcp/conline/edcams/freereports/psa.html

]]> http://www.theportermethod.com/blog/2007/09/10/september-2007-free-credit-report-transunion/feed/ 0 April 2007 Free Credit Report – Equifax http://www.theportermethod.com/blog/2007/05/01/april-2007-free-credit-report-equifax/ http://www.theportermethod.com/blog/2007/05/01/april-2007-free-credit-report-equifax/#comments Wed, 02 May 2007 04:00:22 +0000 Doug Porter http://www.theportermethod.com/blog/2007/05/01/april-2007-free-credit-report-equifax/ Continue reading →]]> Belated writeup but here we go. As many of you may know, you are entitled by law to a copy of your credit report from each of the 3 credit bureaus once per year. It is a good idea to spread these out and request one report every 4 months. This lets you keep an eye on your credit report throughout the year and makes it more likely that you will quickly notice any inaccuracies or problems with the report.

I just retrieved my credit report from Equifax and all is well. Another 4 months and I’ll check with TransUnion.

To request your free credit report go to: AnnualCreditReport.com

The credit report is free, but the credit bureaus try and convince you to pay for additional services (credit score, credit monitoring, etc). So be sure to say No to any of these items if you want a truly free credit report.

Now go ahead and pull yours and make sure everything looks ok. It is a sad fact of life that your credit history is extremely important and can open or close many doors based on what information it contains.

And if you really want to spice up your love live with your significant other, how about exchanging credit reports with that special someone. Honesty in a long-term relationship is very important, and if you can’t be open about your financial standing then you really aren’t sharing everything. Plus, nobody wants to find out a week after the honeymoon that your partner is $50,000 in credit card debt :-)

Also here is a link to the Federal Trade Commission’s site regarding your free annual credit report: http://www.ftc.gov/bcp/conline/edcams/freereports/psa.html

]]> http://www.theportermethod.com/blog/2007/05/01/april-2007-free-credit-report-equifax/feed/ 0 January 2007 Free Credit Report – Experian http://www.theportermethod.com/blog/2007/01/15/january-2007-free-credit-report-experian/ http://www.theportermethod.com/blog/2007/01/15/january-2007-free-credit-report-experian/#comments Mon, 15 Jan 2007 06:13:58 +0000 Doug Porter http://www.theportermethod.com/blog/2007/01/15/january-2007-free-credit-report-experian/ Continue reading →]]> As many of you may know, you are entitled by law to a copy of your credit report from each of the 3 credit bureaus once per year. It is a good idea to spread these out and request one report every 4 months. This lets you keep an eye on your credit report throughout the year and makes it more likely that you will quickly notice any inaccuracies or problems with the report.

I just retrieved my credit report from Experian and all is well. Another 4 months and I’ll check with Equifax.

To request your free credit report go to: AnnualCreditReport.com

The credit report is free, but the credit bureaus try and convince you to pay for additional services (credit score, credit monitoring, etc). So be sure to say No to any of these items if you want a truly free credit report.

Now go ahead and pull yours and make sure everything looks ok. It is a sad fact of life that your credit history is extremely important and can open or close many doors based on what information it contains.

And if you really want to spice up your love live with your significant other, how about exchanging credit reports with that special someone. Honesty in a long-term relationship is very important, and if you can’t be open about your financial standing then you really aren’t sharing everything. Plus, nobody wants to find out a week after the honeymoon that your partner is $50,000 in credit card debt :-)

Update: Here is a link to the Federal Trade Commission’s site regarding your free annual credit report: http://www.ftc.gov/bcp/conline/edcams/freereports/psa.html

]]> http://www.theportermethod.com/blog/2007/01/15/january-2007-free-credit-report-experian/feed/ 3 August 2006 Free Credit Report – TransUnion http://www.theportermethod.com/blog/2006/08/12/august-2006-free-credit-report-transunion/ http://www.theportermethod.com/blog/2006/08/12/august-2006-free-credit-report-transunion/#comments Sat, 12 Aug 2006 17:52:05 +0000 Doug Porter http://www.theportermethod.com/blog/2006/08/12/august-2006-free-credit-report-transunion/ Continue reading →]]> As many of you may know, you are entitled by law to a copy of your credit report from each of the 3 credit bureaus once per year. It is a good idea to spread these out and request one report every 4 months. This lets you keep an eye on your credit report throughout the year and makes it more likely that you will quickly notice any inaccuracies or problems with the report.

I just retrieved my credit report from TransUnion and all is well. Another 4 months and I’ll check with Experian and then this cycle will be complete and ready to begin anew next year.

To request your free credit report go to: AnnualCreditReport.com

The credit report is free, but the credit bureaus try and convince you to pay for additional services (credit score, credit monitoring, etc). So be sure to say No to any of these items if you want a truely free credit report.

Now go ahead and pull yours and make sure everyting looks ok. It is a sad fact of life that your credit history is extremely important and can open or close many doors based on what information it contains.

]]> http://www.theportermethod.com/blog/2006/08/12/august-2006-free-credit-report-transunion/feed/ 0 April 2006 Free Credit Report – Equifax http://www.theportermethod.com/blog/2006/05/08/april-2006-free-credit-report-equifax/ http://www.theportermethod.com/blog/2006/05/08/april-2006-free-credit-report-equifax/#comments Mon, 08 May 2006 17:24:25 +0000 Doug Porter http://www.theportermethod.com/blog/2006/05/08/april-2006-free-credit-report-equifax/ Continue reading →]]> As many of you may know, you are entitled by law to a copy of your credit report from each of the 3 credit bureaus once per year. It is a good idea to spread these out and request one report every 4 months. This lets you keep an eye on your credit report throughout the year and makes it more likely that you will quickly notice any inaccuracies or problems with the report.

I just retrieved my credit report from Equifax and all is well. Another 4 months and I’ll check with TransUnion.

To request your free credit report go to: AnnualCreditReport.com

The credit report is free, but the credit bureaus try and convince you to pay for additional services (credit score, credit monitoring, etc). So be sure to say No to any of these items if you want a truely free credit report.

Now go ahead and pull yours and make sure everyting looks ok. It is a sad fact of life that your credit history is extremely important and can open or close many doors based on what information it contains.

]]> http://www.theportermethod.com/blog/2006/05/08/april-2006-free-credit-report-equifax/feed/ 0 December 2005 Free Credit Report – Experian http://www.theportermethod.com/blog/2005/12/26/december-2005-free-credit-report-experian/ http://www.theportermethod.com/blog/2005/12/26/december-2005-free-credit-report-experian/#comments Mon, 26 Dec 2005 19:28:11 +0000 Doug Porter http://www.theportermethod.com/blog/?p=192 Continue reading →]]> As many of you may know, you are entitled by law to a copy of your credit report from each of the 3 credit bureaus once per year. It is a good idea to spread these out and request one report every 4 months. This lets you keep an eye on your credit report throughout the year and makes it more likely that you will quickly notice any inaccuracies or problems with the report.

I just retrieved my credit report from Equifax and all is well. Another 4 months and I’ll check with TransUnion.

To request your free credit report go to: AnnualCreditReport.com

The credit report is free, but the credit bureaus try and convince you to pay for additional services (credit score, credit monitoring, etc). So be sure to say No to any of these items if you want a truely free credit report.

Now go ahead and pull yours and make sure everyting looks ok. It is a sad fact of life that your credit history is extremely important and can open or close many doors based on what information it contains.

And of course a late Merry Christmas to everyone and a Happy New Year.

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