Clark Howard's Tips
Free credit reports are here
November 30, 2004
You are now able to get your credit report once a year from each of the three credit bureaus if you live in the Western states. Better yet, it's free!
Under the Fair and Accurate Credit Reporting Act, you are able to get your free reports today if you live in Hawaii, California, Alaska, Arizona, Washington, Colorado, Idaho, Oregon, Utah, Wyoming, Montana, New Mexico and Nevada.
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CLARK'S TIP TOPICS
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The rest of the country will be phased in over the next year, and by December 2005 every state in the country will be able to get free reports.
Find out about your state at annualcreditreport.com.
If you're good at details and keeping a calendar, you want to get a credit report from each bureau every four months. It's your financial report card and you need to review it often.
You may want to pay to get your score along with the free report. It will tell you what kind of loans you qualify for, and that is good knowledge to have. But don't buy anything else.
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