sINCE YOU CAN GET FREE CREDIT REPORTS FROM ALL THREE AGENCYS ONCE A YEAR CAN I GET ONE TODAY AND NEXT YEAR?

Question

i wanna get a car in april or may so ill need to get a credit report around that time also

Answer 1

No. The once a year goes by calendar year from the date you last got your free credit check, so you won't be eligible again for 365 days since the last time you checked. What you can do, though, is check your credit report from one of the bureaus now, then select a different bureau to get your free report in April, and then check the last bureau the next time you want to check your credit for free. You don't have to check all of them at the same time, you can rotate the checks between the bureaus throughout the year.

Answer 2

You would have to check with the credit bureaus and find out what they mean by free once a year, calender year or one time in 12 months depending on when you get the first one. If you are thinking of buying a car, the dealer you buy from can always get a copy of your credit report anyway at no charge to you. But remember, if your credit report gets asked for too many times in one year, it also brings your rating down because they take it as a sign that you are in trouble and shopping around for deals.

Answer 3

You can get a free credit report each 12 months from each of the big 3. If you want to know your credit score, you will have to pay for it. When you go to get financing for your car, they will pull your credit, so the only advantage to checking it now is to look for mistakes/or find out what to work on to improve your credit before you apply for your car loan.

Answer 4

Sure but I would suggest that you study some about credit reports, scores, etc. This may or may not help, but I'll bet you'll find some very intriguing reading here. www.myfico.com

Answer 5

Yeah, next year the same time. get one on Dec. 13, 2006 and get one on Dec13, 2007, otherwise you pay for it.