Did you know that you are guaranteed by federal law to get one free credit report a year? Yes, it is true. The three major credit bureaus, Equifax, Experian and Trans Union have set up a central site, toll-free telephone number and mailing address for the free credit reports.

Here is all you have to do is use this great resource:

Annual Credit Report on the Web or

Toll-free Telephone Number: 877-322-8228

Snail Mail:

Complete the Annual Credit Report Request Form by printing it out here or calling to get a copy. Then send it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281