Getting a Free Credit Report

Now, if you have never had checked your credit report, I would suggest that you use utilize these 3 free credit reports by using one every 4 months. You get one free credit report from one credit reporting company in a year.So, instead of using all the 3 credit reports at once, use one free credit report every four months. In addition to that, I also suggest that you sign up for a subscription (like I do), with one of the credit reporting agencies if you are making a big purchase, especially a house. Right now, I have a monthly Score Watch product subscribed to Equifax. It costs me $10 each month and alerts me whenever there has been update to my credit score or if my debt is too high. I find it useful because my credit history is new, and I would like to build a high credit score, as such, I would like to know how I am spending and make sure I don't go over the limit which would harm my credit score, especially given the fact that I am interested in buying a new car, and in this credit squeezed environment, having a high credit score wouldn't hurt.