online to receive a paper one in snail mail. Much easier to read and got one from all three credit bureaus. FREE

This is always frustrating - you are allowed by law to receive one free credit report from EACH of the three reporting agencies each year.

www.annualcreditreport.com

This is not a private, for-profit website like Credit Karma, and although they may provide a useful service, someone is paying them, if not you.

We rotate between the three agencies each four months, so we always have an up-to-date credit report every 120 days or so. Again, it’s not only free, this is the result of consumer protection legislation that may have even been bi-partisan back when there were a handful of human Republicans.