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As an east coaster I was finally eligible for the free annual credit report on Sep 1. I promptly got online reports for myself and my wife from one agency each; a different one for each of us. I plan on getting reports from the agencies at four-month intervals.

How is the annual period defined for this free service? Is it Jan-Dec for all? Or will my annual period be Sep1-Aug31?

Thanks for the help.

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No. of Recommendations: 1
Your period for the one agency you used will be Sep 1 2005 to Aug 31 2006. It's a rolling 12-month period from your most recent request. So if you make your next request on, say, Oct 20 2006; that will lock out the 12-month period from Oct 20 2006 to Oct 19 2007.

The clock runs separately for each agency, so you can get the reports at 4-month intervals like you say. (And you can always get the first agency's report again if you really want; you'll just have to pay for it.)

- Erik
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