Credit Reports is FREE!

With all the talk about the need to check your credit, to see if you’ve been the victim of identity theft, the other day I figured I’d take a look at my credit report. Reportedly, if you live in certain states, you’re entitled to a free credit check once a year.

I went to Equifax and put in my personal information securely and just like that I got my credit report, free of charge. I was a bit dissapointed though because I figured I’d see my credit score as well, but alas, only some data showed up. My report showed me who had been checking my credit lately, my open and closed credit cards, and any negative points on it. As it turns out, a lot of credit card companies have been checking my credit, I guess that’s why I receive so many junk credit card offers in the mail.

Overall, my report looked pretty empty, which was dissapointing. Had I paid to see my credit score, I might have been even more dissapointed. It’s not that I don’t have good credit, it’s that I have no credit. I only have one active credit card, and that one shows a balance of $0 every month - since I pay it all off immediately every month.