Have you see your annual free credit report in the past year? If not, you really owe it to yourself to request for it and review it. It’s easy, just visit the official site annualcreditreport.com and get started there. As a matter of fact you will not only be able to get one free credit report annually, you will be able to get three, one from each of the major credit bureaus.

Now since the information will more or less be the same across all three reports, and you get to request a free credit report once every 12 months from each of the bureaus, the best thing to do is to request one  every 4 months, this way, you will always have the latest credit report. All for free!