If COVID has taught us anything, it has taught us to expect the unexpected.  When was the last time you looked over your credit report?  Could you be the victim of identity theft and not even know it yet?  Don’t let an unknown problem explode beyond control.

As you know, problems with credit are often self-created but during these hard economic times, maintaining your credit is even more important than ever.  Sometimes inaccuracies are drastically impacting your score and can be fixed with the help of a well written objection to the bureaus.

I practice in the area of bankruptcy law and have for years referred my clients to www.annualcreditreport.com to get a free copy of the full credit reports from TransUnion, Experian and Equifax.  Normally the free look is limited to once-a-year (hence the name annual) but the credit bureaus are temporarily allowing users to see the free report once a week!  Don’t worry, pulling your own credit does not impact your score.  Now is a great time to take advantage of this opportunity to monitor your credit and make sure nothing is inaccurate and needing your attention.


We will get through these crazy times. Once this is all over, how much better will it be if we do so with a healthy credit history and score?  Visit www.annualcredireport.com and get your free credit report.



Ron Holmes is managing partner of the Davis Miles McGuire Gardner New Mexico office.  He can be reached at (505) 268-3999