Equifax, TransUnion and Experian credit scores for December 2010 may have changed.

I receive a lot of emails with subject lines similar to what I used as the title of this post, from companies alerting me that my credit score may have changed.  I am assuming the goal is to get me to click on the link and then pay for a credit report through their company in order to check on my credit score.

Everyone should be concerned about their credit score and what their credit report contains.  The economy over the last few years has no doubt resulted in more than a few consumers getting a few dings on their report.  You should check your report regularly.  Did you know that you are entitled to a free credit report?

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.  The official site to receive your free credit report is www.annualcreditreport.com/.

Photo credit by Don Hankins