If you haven't checked your credit report in 2011 yet, make sure to do so at the free site provided by the credit scoring agencies at Annual Credit Report. There are 3 credit scoring agencies: Equifax, Experian, and TransUnion. Therefore, you can check your report thrice a year for free.
Most people who know they should check their credit reports and don't, forget to do it. Therefore, you should create a system that reminds you. Putting it on the calendar does not work for me. If the calendar does not work for you either, you could mark the days that you have to check your report by, for example, day light saving days and your birthday. Therefore, you check your credit report every time the time changes and around your birthday or other memorable day like the 4th of July. I do better at associations for remembering things and, therefore, this method works for me.
I also struggle with remembering which agency I checked last. Therefore, it might be easier if you do them in an alphabetical order. Check Equifax, then Experian, then TranUnion. Or, maybe you can check the agencies starting with an E on day light savings days and TransUnion on your birthday or whatever memorable day you chose.
Whatever system you use, make sure to check the credit reports to make sure you did not experience identity theft, there are no errors, and you have been on track with paying down your debts.
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