There are a lot of commercials on TV about being able to get a free credit report these days. Here are some reasons not to do that.
1. Credit reports through 3rd party businesses are not safe. You will give them every piece of information about you that you can give them.
This includes your SS#, address and so on. Now your secret stuff is in the hands of some company you don't know squat about. Their
security measures might be absolutely nothing. So they get hacked or sell off your stuff, you are in for a world of hurt.
2. Even the highest level of credit rating companies don't tell you this little fact.
Everytime you check your credit rating (over 1 time a year) actually hurts your credit rating. True. The more you do it, the more it hurts.
3. The only time you need to check your credit rating, more than once a year, is when you purchase something on a time payment. Like a car
or house. But even then, the financial institute selling you the thing is going to run a credit check. You can get a copy of that then.
I check my credit rating every January 30th. That way all the things from the previous year are all done.
So be careful out there.