I know annualcreditreport.com offers free credit reports every year. I purely got one from Experian March 2008, but I next realized, after looking at my outmoded file, that I get one from Equifax on Oct 2007. Will they charge me for this?

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Probably not.
But did you realize that EVERY time anyone checks it, your score drops a bit?

Try not to check unless completely vital.

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They can't charge you if you did not provide a credit card.

If you check more than once per year it could negatively affect your credit.

Typically, you verbs all three reports at one time. It sounds approaching you only pulled one bureau at a time.

I own tried going back prior to the year and pulling a credit and on AnnualCreditReports.com it notify you that you will have to rate a fee to re verbs your credit again. This happened to me in the region of 2 years ago.

You can find more detailed information about credit, how it is score and other credit "secrets" on my site here:
http://www.jonjong.com/1.html

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No, you get one from EACH of the three bureaus per year. You in recent times can't get another from alike bureau until 12 months have passed.
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