Welcome back to another edition of "Rolling in Dough" Newsletter, where we serve up the simplest ways to save more, spend less, and build wealth with regular insights, behavioral science hacks, and tiny tips to do today. I hope to make your financial journey a little fun, simple, and totally doable, where ever you are on your wealth journey.

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BEFORE THE BALL DROPS (BBD) - MINI MONEY MOVE TO MAKE BEFORE THE NEW YEAR #6

 💸 Mini Money Move #6: Check your Credit Report

What to do:
Before Dec 31:

1. Download your credit report (it’s completely free).

Go to AnnualCreditReport.com, the only official site, and pull your reports from:

• Equifax

• Experian

• TransUnion

It’s free to pull each of the three credit reports every single year. You can download them as PDFs so you can compare them side by side.

(Note: You don’t have to pull all three at once.
Some people prefer to review one or two now and save the others for later in the year. Either approach works.

1B. If you do pull more than one report, compare them loosely to each other.

Each credit bureau collects information differently, so reports won’t match perfectly. You’re simply scanning for anything that isn’t accurate.

2. Look for things that don’t match your real life.

Specifically:

• Old addresses that shouldn’t be there

• Names you no longer use

• Employers you never worked for

• Duplicate accounts

• Accounts showing the wrong status (open/closed)

• Balances that look off

• Any late payments you know were on time

• Any account you don’t recognize at all

3. Dispute anything that’s clearly wrong.

Each credit bureau lets you dispute online. You don’t need long explanations, you can just identify what’s incorrect and write a short sentence or two on why.

Reason #1. Mistakes on your report can cost real money.

Errors can affect everything: apartment approvals, car insurance rates, interest rates, and even job applications. Catching mistakes now protects your future self.

Reason #2. Each credit bureau can show different information.

Because lenders don’t always report to all three bureaus the same way, an issue might show up on one report but not another. So it can be helpful to review more than one, either over time, or all at once.

Reason #3. A quick, year-end check can catch errors.

If you see accounts you don’t recognize, even small ones, that’s a red flag worth acting on quickly.

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🤔 Things to Consider

1. This is less about increasing your score, and more about accuracy.

Your credit report is your financial resume. You want it clean, correct, and up to date.

2. Disputes can take a few weeks to process.

Starting now helps clean everything up before spring (when most people apply for apartments, cars, and loans).

3. Differences between the 3 credit bureau reports are common.

They rarely match perfectly. You’re just looking for things that are clearly wrong or unfamiliar.

👋  TO GO BITES: The Wrap Up

A year-end credit report check helps make sure your information is accurate and up to date before the new year.

Whether you review one report now or a couple spread out over time, the goal is the same: catch errors early, protect yourself, and have a clean credit profile.

You don’t need to do everything in one sitting, but since you do get free reports each year, this is your friendly reminder to start by pulling at least one before December 31st.

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