You probably already know this, but since I am the last to figure anything out, I just discovered this lovely bit of news.
Thanks to a class action lawsuit against TransUnion, one of the credit reporting giants, anyone who has had a credit card within the past 20 years can receive a free credit report and score for free. In fact, you can get a copy of your report as often as you'd like for six months through their credit monitoring service, which usually costs around $60.
This differs from the usual free annual report we can all get from FreeCreditReport.com in that it offers a credit score and you can get multiple copies. Plus, it's nice to take part in shaming these folks (although they admit no wrong doing, they illegally sold customer profiles to third parties) who routinely make mistakes on our credit reports, causing all manner of headaches.
To register, go to listclassaction.com (click HERE) or call 866-416-3470. But be sure to do it before September 24th, because that's when the door on this freebie ends. Most importantly, check for errors and take action to correct them. A neighbor of mine was recently fired from a brand new job because of his low credit score. Loans, rental agreements and now employment (wrong, wrong, wrong!) all use your credit score to determine your fate. Make sure they have an accurate file on hand.