Transunion reports that 56 percent of Americans did not request the free annual credit report they are entitled to. The Big 3 credit bureaus, Transunion, Equifax and Experian recommend checking your credit every three months to verify that nothing you don’t know about that can affect your credit has happened. This can get expensive though since each bureau wants to charge for anything after the first credit report “pull” and of course they want to sell you credit monitoring services.
Here is my recommendation:
Pull a credit report free from just one of the bureaus every four months.
This way you can look at whats on your credit three times a year for free. You can pull your free reports from AnnualCreditReport.com.