As of 1 Sep, residents of all U.S. States are eligible to request a free credit report from each of the major national agencies via AnnualCreditReport.com. I decided to take the plunge, and found the experience to be satisfactory.

I chose to get just one report (from Equifax) and at first I found the information a bit overwhelming — the information is divided into categories (e.g., Personal Information, Credit Summary, Account Information, Inquiries, Collections, etc…) and you must click through a sidebar to reach the different sections.

Fortunately, you can choose the “print this page” link to get a summary view, which I scanned and discovered that:

• my birthday is wrong,
• a credit card I cancelled is still listed as open,
• I supposedly got a Discover Card at age 9 (now where did I put that?), and
• in a truly amazing act of foresight, I apparently opened a J.C. Penney charge account two years before I was born.

On the bright side, at least everything is $0, as it should be.

This entry was posted on Friday, September 2nd, 2005 at 3:26 am and is filed under Miscellany.. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed.