So where can I get my annual credit report? I am sitting here thinking to myself why some people even bother getting their annual credit report.
After all, most people these days are only into instant gratification.
On payday these people usually go buy something on sale.
Tax refunds are only for buying huge flat screen TVs, a few lobster tails and smartphones for the whole family.
Or worse yet, they blow their whole tax refund at the casino.
Lather, rinse and repeat until the money is long gone.
Do you remember a bit I wrote in recent blog post on what people buy on payday?
Look…
On payday the poor by stuff.
They usually buy this stuff because it’s on sale. They find this stuff at the dollar store, clearance racks and at rummage sales.
Their homes are full of this stuff. They buy it because it makes them feel good and it’s all they can afford.
Stuff is all they will ever have. Money comes in and money goes out.
The poor never get ahead financially with this mindset.
The middle class are not much different, they just buy bigger stuff.
On payday the middle class pay for big houses. They buy cars, boats, jetskis, the latest high-tech devices and more.
Just like the poor, money comes in and money goes out. The middle class will never get ahead financially with this mindset.
What the rich do with their money on payday keeps them rich, they buy assets.
Assets are things that gain in value or create an income. The rich invest their money in real estate, stocks, bonds, mutual funds, gold and silver bullion.
They also invest their money in businesses and continuing education. With this mindset, the rich become richer each and every payday.
This is important…
So what does this have to do with your annual credit report?
Well, in order to know what financial direction you are heading, you first need to know where you are right now.
Why not take the guess work out of your financial future and get a copy of your annual credit report.
Your annual credit report spells out in detail what is in your credit report file.
Annual credit reports are maintained by the consumer reporting companies. The information in your credit file would be given in a report about you to a lender.
Therefore, if you are considering changing your spending and saving habits.
Getting your annual credit report would be a huge first step.
And viewing your free credit report annually is allowed by both state and federal laws.
Where do I find my annual credit report you ask?
You can request your annual free credit report once every 12 months from each of the three consumer reporting agencies, Equifax, Experian and TransUnion.
It only takes a couple of minutes to view and print your credit report so there isn’t any real reason not to do so.