Ask Terry Questions credit reports

credit reports

By Terry Savage on August 29, 2023 | Credit/Debt

I order my credit reports every year from the source listed on the FTC website for all three credit bureaus. I order by phone and they always come promptly… except this year. I ordered on June 12th and again on July 13th and they have not arrived. I suspect the problem is they are mailing them without my apartment number. I can fix that to make sure they have that detail. My question is: will I be penalized (ie credit rating dinged) if I keep ordering them until they arrive?

Terry Says

You should get your credit report ONLINE through That way you won’t have to worry about the mail. It is much more secure.



a personal
finance question