Annualcreditreport.com. You’re entitled to a free credit report from all 3 bureaus each year. Most credit cards now offer free credit reports and scores. Discover, Chase and CapOne. Credit Karma offers free reports and scores. Discover Card offers free credit monitoring. If your SS# is used in any inquiry they send a notification. There’s hardly any reason to pay for credit monitoring these days unless your credit is shaky. Don’t apply for any new credit and keep utilization low (sub 30%).
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I may be buying a house in a year and I want to make sure my credit ducks are all in a row. Can anyone suggest a particular method for doing that?