Tuesday, May 19, 2009

When to Get a Credit Report

Before you apply for a credit card or loan, you should review a copy of your credit report from each of the three major bureaus to avoid any surprises.
A copy of your credit report from each bureau generally costs $9-$15. Some states, including California and Connecticut, cap the fee slightly lower. Many financial experts suggest you review your credit at least once a year. That means you can review all three major credit reports without cost once per year. Starting in 2004, the law also entitles you to receive a free credit report every 12 months. You can get your report from all three credit bureaus from www.freecreditreport.com.
In addition, credit bureaus and other credit-report services sell annual subscriptions, often in the $50 to $100 range, that keep you informed of any and all activities to your credit report.

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