Getting your free annual credit report...?

i know you are allowed to carry a free credit report from annualcreditreport.com and that you are allowed one free report from respectively of the three credit agencies a year. however, does when they read out "respectively year" does that walk by:

one sometime between 2006-2007

or would the year progress by approaching vote you get one surrounded by september 2006, would you not be capable of get hold of another until september 2007?

i'm lone wondering because i looked spinal column contained by around november 2006 finishing year and i go to shift look at it today and it told me that i already looked at it for free online this year, and i haven't tried to access in 2007 until today...does that be determined i own to linger until november?

Answers:
It's a year from the closing time you pulled your report.
I'm pretty sure that if you achieve it contained by Sept 06, consequently you hold to keep on on full year beforehand you can look again. So try it in Oct 07. Keep a database on when you checked and what you found...
yes. for their purposes they be set to once per 12 months so 12 months from the daytime you get your end one is when you can carry another free report so dawdle 3 more months, or if you enjoy have fraudently flurry, report it at once and you will receive one free contained by incorporation the regular free one. But don't report fraud unless it really happen because they will ask for specific information.
Yes, if you obtain your report within September, subsequent one you can procure contained by October and subsequent year within November, this 12 term year. Good Luck!
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You own to loaf one full year formerly you can go and get another free credit report using annualcreditreport.com. For example, if you get your ending report on November 1, 2006, you will own to linger until November 1, 2007 to gain a clean report.

One suggestion so that you can monitor your credit for a time easier is to stagger the date that you lay down your free reports. For example, command Experian surrounded by November, Equifax within March, and Transunion surrounded by July.
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