In the last post, we talked about the current struggle of the nation’s economy and how it can be easy to chalk up our own financial situation to what’s going on around us and leave it at that. But the truth is that by ignoring our own finances today, we are doing more damage in the long run.

It is up to us – and only us – to be our own financial advocates; especially in a struggling economy. The country is all in this together but our own personal finances are ours alone to manage. Don’t let the state of the nation stop you from doing what you have to do to protect yourself and your family.

In order to ensure that we are always on top of our credit report it is important to order free credit reports from the credit bureaus. Today, getting free credit reports is easier than ever through online resources. In fact, the website www.annualcreditreport.com offers consumers the opportunity to order their credit report from any (or all) of the credit bureaus – Experian, Equifax, and TransUnion.

Many people may not know that the ability to get a free credit report is a part of our right as consumers. In fact, we are all allowed one free credit report from each of the credit bureaus once a year. If you are smart about when you order your free credit report, and from which credit bureau, you can easily work it out that you always have access to a free credit report every few months.

Free credit reports are only one step in protecting our finances of course. The other steps are on us as far as spending within our means, paying our bills on time, and essentially being restrained and careful in our financial life – especially during these shaky times.

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