The FTC has made access to credit reports from the three major credit reporting agencies via www.annualcreditreport.com available on a weekly basis for free. This was announced at the end of October without much fanfare. Prior to COVID these reports were only available annually (for free) and during COVID the FTC made it temporarily available on a weekly basis. This is good news for consumers!
Start the New Year off with a review of your three credit reports. You will likely need your old credit report to sign-in – the identity confirmation questions are more difficult than in the past and may require that you reference your prior credit report. Once you download your new credit reports focus on ensuring that they correctly state your information and make corrections promptly if needed. We will go over credit history in a later check-in this year.
Edi Alvarez, CFP®
BS, BEd, MS