Checked My Free Equifax Credit Report

My Free Credit Report from Equifax

As I have posted numerous times on the blog, I am able to check my credit report for free once a year, and that time has come. The last time I used Equifax Credit Report was sometime in April of last year (the free one, and not the Equifax subscription), and this year I found nothing really surprising (which is good) or different. As usual, the Credit Report doesn't provide you with a Credit Score, it would have been nice if they did, but you have pay an addition $8 for a credit score, and I decided to pass on that.

I have managed to reduce my Debt To Credit Ratio to 2%, and haven't really opened any new credit cards, so I am hoping that this month there is some change in my credit score. Everything else is the same in the credit file, with Installments being the biggest account type. I think it will be much more of a balance when I have my car loan, it should definitely "diversify" my credit report. Also, my credit history isn't really that long, and in fact there isn't much of a significant difference between my oldest account, and my average account age.