I was checking my email when I saw this offer for a free credit score and free credit monitoring for one month. I was going to pass up on this offer because I was going to order my free report from www.annualcreditreport.com this month as part of my financial management strategy. Then I decided to read the terms to see what it was all about.

The offer is for current holders of American Express cards and it offers three things:

  1. You get a free credit report from all three bureaus
  2. You get a free credit score from all three bureaus as well
  3. You get free credit monitoring in the form of updated credit scores whenever there is a change.

This is all free for the first 30 days and then the cost of $11.99 is billed to your credit card if you do not cancel. So of course you know I jumped on the chance to get this. I went ahead and applied for the reports and I printed off my credit scores as well. I think that they have gone up a couple of points from the last time and checked but I will have to compare the two reports just to be sure.

Again this is an example of procrastination working in my benefit because I was going to order the credit report but then just decided to wait. Now I will use the month of free reports to monitor my credit score and then order the free report from annualcreditreport.com at a later date.

So if you have an American Express card log in to your account and get that one month of free reports and scores now and check up on your business. If you do not have a card then I am sure you can apply for one with a zero percent interest rate and go ahead and check on those scores.

All the best.