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You can either view all reports at once, or you can stagger them over a period of 12 months, then start the process over again at that point.

I personally like to view all three at one time so I can compare them, but many people prefer to access just one every 4 months so they feel like they are keeping a closer eye on their credit. For more specific info on this topic, read my full review of Annual Credit While accessing your credit reports is completely free at – your credit scores are not included with the annual credit report offer, and will cost extra from each of the “big 3” reporting companies.

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