Youíre Entitled to a Free Credit Report.

In 2004, an amendment to the Fair Credit Reporting Act was made that states that you can obtain a free copy of your credit report from each of the three main credit reporting bureaus once every 12 months.

Three Major Credit Bureaus: Equifax, Experian, Trans Union. The three credit reporting bureaus will not send you an email or call you asking you for personal information, so don't respond to such requests.If you receive an email, donít respond or click on any links in the email as there are plenty of scams that attempt to obtain your personal information.

You should only access the website directly.