Annual Free Credit Reports


1st of the year is a good time to review your credit report from major CRAs:

Also, consider freezing your credit if you have no near-term plans to apply for anything (auto loan, home mortgage or refinance loan, new credit card, etc.):


Another good technique if you want to keep a regular eye on it is to pull a report from each entity every 4 months so you can cycle through them. But know that each one may have differences between them (sometimes wildly different) based on how your creditors report and to whom they report.