Obtaining your credit report and reviewing it every year is a good idea. You are allowed to receive one report a year from each of the major credit agencies: Equifax, Experian and TransUnion. Even if you don't obtain all three reports at once, it's smart to review your report from each agency at least once a year.

Request your FREE annual credit report at You can also request your free credit report over the phone at 1-877-322-8228, or by mailing your request to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.