January 8th, 2013
Happy New Year from the Credit Karma team! By now, you’ve probably settled into a few resolutions, some of them maybe even financial (like the Debt Movement, perhaps?). To help you kickstart your credit in 2013, we thought we’d give you a handy checklist to follow. Here’s how to make sure your credit is in tip-top shape this year.
Step 1: Schedule your three free credit report checks.
You might know that you have a right to a free copy of your credit report each year, but did you know that you can get three? Each of the three major credit bureaus—Equifax, Experian, and TransUnion—is required to let you check your credit report for free once a year.
Instead of checking all three at once, we recommend spreading out your three reports over the year. Start with whichever one you like now and then mark on your calendar a time to check a second one four months from now (in May) and the third one eight months from now (in September). Then, when January 2014 rolls around, you can start all over again.