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Credit report


Forum: Financial Planning and Budgeting

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  #1  
July 29th, 2011, 08:57 AM
JessP's Avatar Lovin life and family
Join Date: May 2009
Location: Washington
Posts: 22,034
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When was the last time you checked your credit report?
How often do you check your credit report?
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  #2  
July 29th, 2011, 10:47 AM
Platinum Supermommy
Join Date: Mar 2011
Posts: 8,598
Last time was a year ago. I check it every year or so, unless we are planning for a big purchase/change.
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  #3  
July 29th, 2011, 10:59 PM
Platinum Supermommy
Join Date: Aug 2005
Location: USA
Posts: 7,429
About a month ago. I check it 3 times a year, get one free one from each agency about every 4 months. Just to make sure that nobody has "stolen" any portion of my identity, opened up anything in my name, etc.
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  #4  
July 30th, 2011, 02:08 AM
Happy Song's Avatar Nicole
Join Date: Jan 2010
Posts: 10,921
A few years I think. Yes Dave Ramsey thinks I should have a very low credit score but I don't think this is what he had in mind...
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  #5  
July 30th, 2011, 02:02 PM
Platinum Supermommy
Join Date: Aug 2005
Location: USA
Posts: 7,429
Keep in mind all that your credit report is NOT your credit score, they are two separate things. Your credit report shows you what credit cards and loans you have open, if they are in good standing, the payments you've made, how long you've had them, if they are open or closed, etc. It does not actually contain your credit score. You get a FREE credit report from each agency once a year.
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  #6  
August 1st, 2011, 09:48 AM
Platinum Supermommy
Join Date: May 2009
Posts: 7,878
A few months ago and I usually check it every year.
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