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I remember when I graduated from college, over 20 years ago, I wanted to buy a car before I started my new job. I had had enough. I refused to be seen any longer riding around in a 1980 Ford Pinto. Some may recall that the Pinto had a slight design defect. Its fuel tank was in the rear where all gas tanks belong, however it was exposed. Let?s just say, Pintos? didn?t handle rear-end collisions very well. Come to think of it, that?s probably why I got such a good deal when I bought it.

I really don?t know what I was thinking. I wasn?t going to start working for a couple of months. If I did buy the car how was I going to pay for it? That wasn?t important. I just wanted a new car. So, I went down to the dealer - test drove a brand new Nissan and told the salesman I wanted it.

The salesman said that he had to run a credit check. I said go ahead that shouldn?t be a problem. He said that if there were going to be any surprises - just tell him now and we could try to work through them. I said that there wouldn?t be any problems just go forward. Why did I say that? Back then, financial responsibility was the last thing on my mind. Sometimes I had money to pay my bills, but most times I didn?t. When I walked off that lot that day, I knew unless there was some divine intervention; I wouldn?t be getting that car.

The next day I went to the dealership and the salesman just shook his head. I didn?t say a word. I just turned around a left. I said all of that to say save yourself some embarrassment. As of September 2005, you are entitled to a free copy from each of the three credit-reporting agencies (Equifax, Experian, Trans Union) every year thanks to the Fair and Accurate Credit Transactions Act. https://www.annualcreditreport.com/cra/index.jsp? target=?_blank Free report If you don?t want to request your report over the Web, you can also call 1-877-322-8228 or complete and mail in the ?Annual Credit Report Request Form? available at ftc.gov/? target=?_blank www.ftc.gov

About six months later, I bought myself a new car. Let?s just say the Pinto wasn?t cut-out for New England winters.

About the Author

Michael Dawson recently said goodbye to a 20 year career in Engineering, Marketing and Sales to focus on living his dream of financial independence as a full-time trader on his on account. He has also established a financial education company, The Time & Money Group, to encourage others to pursue financial freedom and is publisher of the company?s blog ?Breaking the Shackles of the 9 to 5.? His mantra is ?Why trade time for money ? when you can have both.?

thetimeandmoneygroup.com thetimeandmoneygroup.com/blog

Make sure to read one of Dawson?s most popular articles: thetimeandmoneygroup.com/blog/2006/07/08/financial-freedom-saying-goodbye-to-the-time-for-money-swap/ ?Saying Good-Bye to the Time for Money Swap?

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Source: http://www.story-of-finance.com/free-credit-report.html

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