WEEK 1: CREDIT KNOWLEDGE
New to the Live Richer Challenge: Credit Edition? Learn more about it HERE.
Need to catch up? Click on yesterday's task and then come back.
Day 3: Grab Free Credit Reports
Today’s Easy Financial Task: Get your free credit report(s).
How to rock this task:
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:
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.
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.
Share what you’ve learned today with your social media friends and tag me @thebudgetnista
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:
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 or partner and earn a commission off of referrals or income, but I would not recommend a product or service that I didn’t believe was helpful and useful.
Share the wealth!