Seriously. This is either a case of domain name speculation and opportunism gone berserk, the incredible ineptitude and fast-as-molasses-on-an-iceberg speed of the US Federal government, or both.
What FreeCreditReport.com Doesn’t Want You to Know
Why Read This?
Monitoring credit scores & saving $ is an essential tool in the Survive portion of Cubicle S.E.R.E.
It’s simple. Despite the name, Free Credit Report dot Com is not free. It isn’t. They charge you. Fucking marvelous.
Why FreeCreditReport.com Isn’t Free
Because they charge you a $15 monthly fee to ‘watch’ your credit after giving you your credit score. Using scaremongering, they profiteer off of people trying to do the right thing but not financially literate enough to do it.
How to Really Get a Free Credit Report
Here’s what I recently told a friend of mine:
I get 3 credit reports per year for free. I have a calendar reminder to do this every 4 months. You currently pay $15 / month for the alerts. You don’t need them if you’re getting a score for free 3 times a year. Take that $15/month you’re spending on FreeCreditReport.com for the next year ($180) and put it towards paying off debt or to a round trip to Cancun!
How I Get 3 Free Credit Reports with AnnualCreditReport.com
I do one in April (4th month), a second in August (8th month), and the last company in December (12th month) each year. Wash, rinse, repeat next year. The incomparable JD Roth at GetRichSlowly.org writes this up very effectively. PS Check out JD’s website to see how he paid off 20 years of debt with logical, frugal lifestyle choices. I wish I knew this when I graduated in 2001 with over $100,000 in student debt, car loans, and credit card balances!
Before you start!
I learned the hard way that AnnualCreditReport.com does not work well with old versions of Internet Explorer! Use current software or request your report via mail over the phone.
Great Credit + Saved Cash = Better Lifestyle.
- If you haven’t gotten a free credit report yet this year from AnnualCreditReport.com, do it now.
- Put a reminder on your calendar to get another free credit report in August and December.
- Cancel any monthly plans you have with FreeCreditReport.com
- Put money saved towards debt, escaping your cube, or flying to someplace warm!
What’s Coming Next?
With the coming Oktoberfest trip in late September on my mind, I’ve been writing about how to get cheap flights and a brief humor piece on Oktoberfest Vocabulary. Friday has another awesome video. I’m headed out to the Virginia Tech Spring game – go Hokies! for some tailgating with friends. We’ll pick it up again next week with concepts called Buckets of Money and a quick, easy way to make $50! Oh, and F-Club results are in!