Time To Start Checking Your Credit Reports

As of December 1, 2004, California residents are entitled to view their credit report from each of the 3 big credit bureaus, free of charge, once every 12 months.

I recommend that you get one of the three reports every four months so that over the course of the year, you see all three reports, but are monitoring your information once every four months.

You can begin the process at www.annualcreditreport.com.

Be fair-warned, though, while the reports are free, you’ll have to pay about $6 to actually see your credit score.

The good news is, though, you can dispute the inaccuracies that you find right then and there online.

Be sure to call your creditor yourself to dispute as well...don’t rely on the credit reporting bureau to do it all on their own.