Those of us who are last in line for the free credit report service have almost made it. September 1 - Thursday for those of you who are calendar-challenged such as myself - brings free credit reports to those of us in "region 4", which is pretty much the Northeast US and other US territories.
Apparently you have to go through this site to get it, and not to the credit bureaus themselves, and each credit bureau requires a separate application. That means you could get all three at once, but because they all are supposed to be pretty similar, it might make sense to spread them out over the course of a year - getting a free report every four months or so - instead of getting them all up-front. Unless you're buying a house or something, that might make the most sense, so you can keep better tabs on things throughout the year.
I'll be there bright and early Thursday morning to order ours. What's your plan?
Update: Okay, it's not really free credit, it's a free credit report. Sorry for anyone who thought otherwise.
Update: Remember that credit bureaus are also a big source of junk mail - especially those pre-approved credit card offers. If you're trying to clean up your life, make sure you opt-out of them at 888-567-8688. You can opt out for one year, two years or permanently. But if you don't return the consent form they send out to verify the permanent choice, you'll only be set for two years.
Update: Residents of North Carolina, at least, can take advantage of this now. I just ran my report through Equifax without incident. I would assume that the others will also work.