New to the Live Richer Challenge: Credit Edition? Learn more about it HERE.
Need to catch up? Head here and then come back!
Day 1: Credit Goals
Day 2: Credit Basics
Week 1: Credit Knowledge
Day 3: Grab Free Credit Reports
Today’s Easy Financial Task: Get your free credit report(s)
How to rock this task:
- Watch the video
- Go to www.experian.com, www.transunion.com, and www.equifax.com or www.annualcreditreport.com, to get your free credit reports.
- Download & READ the Free Credit Score Explainer booklet from MagnifyMoney
Hey there Dream Catchers! It’s Day 3 of the Challenge. Guess what?
Once a week during the Challenge, I’ll bring the daily task to you through a video.
Take a moment to watch the video below!
Remember, this week is ALL about Credit Knowledge. That means I want you to understand what credit is and how it truly works. Next week you'll begin to the work toward fixing your credit. Woot Woot!
Back to your task....
Today is all about getting your credit report(s) for free and knowing how to read your credit report(s).
Remember, you have three credit reports because there are three different major credit reporting agencies - Experian, Equifax, and TransUnion.
How to Grab Your Free Credit Report(s)
Each of the credit bureaus allows you to get one free credit report every 12 months. You can get your reports all at once, or you can space them out throughout the year.
To pull your credit report, you can contact each credit bureau here:
- Experian: 1-888-397-3742 / www.experian.com
- TransUnion: 1-800-888-4213 / www.transunion.com
- Equifax: 1-800-685-1111 / www.equifax.com
You can also get it through one of my favorite sites, www.annualcreditreport.com. (in case you didn't get it yesterday).
What I like about this site is that not only do you get your credit report for free, they teach you how to read, improve and maintain it for free too! It will not ask for your credit card. It will ask you to verify information that only you know about. Make sure you have access to a printer so you can print each one or save as a .pdf to access it later.
Yesterday, we went through an overview of the information that appears on your credit report.
Today, I have a super awesome downloadable from Magnify Money that, along with the video above, can assist you in reading the credit report you pull from today’s task.
Download and READ the Booklet HERE.
If after reading your credit report you find errors or incomplete records, don’t be alarmed!
We will discuss how to clean up your credit report next week.
If you have any questions, remember, I’m here for you. Leave a comment below.
Don’t forget to reach out to your accountability partners and check into the Dream Catchers: LIVE RICHER group.
*** BONUS: Need a financial pick-me-up? I was a guest on HerMoney a podcast hosted by Jean Chatzky (of the Today Show): I share how I'm able to use my money to LIVE RICHER and how YOU can too!
Share what you’ve learned today with your tweeps:Today I learned how to pull my credit report for free. Day 3: #Liverichercredit Click To Tweet
P.S. Don’t forget to get your free Live Richer Challenge: Credit Edition Starter Kit. Get it HERE.
P.P.S. Here’s a copy of the Challenge Calendar. It’s a fun way to keep track of your progress.
You can also reach out to me here:
Facebook: The Budgetnista
Private Forum: Dream Catchers : LIVE RICHER
*** Need Help? Feeling Overwhelmed? Want to work with someone one-on-one to improve your credit? Netiva "The Frugal CrediTnista" is offering her renowned, full credit improvement services & consultations at a special discounted price just for Dream Catchers! And there's also a FREE Live Richer Credit Repair Toolkit with your name on it! Learn more and get the help you need, HERE. ***
Want to work through the Live Richer Challenge: Credit Edition in a workbook? It's part of a bestselling series and has already hit #1 on Amazon! Get your copy below.
My Lisa Rule: I have 4 sisters and Lisa is the baby (well she’s not a baby anymore). Of all of my sisters, I’m the most protective over her. Before I share any product or service with you, it must pass my Lisa Rule.
What’s the Lisa Rule? If I would not advise Lisa to use a product or service, I won’t advise you to either. YOU are my Lisa's. I feel protective over you and your financial journey.
The products and services I recommend pass my Lisa Rule. Yes, I may be an affiliate and earn a commission off of referrals, but I would not recommend a product or service that I didn’t believe was helpful and useful.