Because of the Fair Credit Reporting Act, you are entitled to one free credit report every twelve months from each of the national reporting companies: TransUnion, Experian, and Equifax. The Federal Trade Commission has created www.AnnualCreditReport.com so you can easily order your free annual credit report with no strings attached. This site is not to be confused with other free credit report and free credit monitoring sites (for more information, go to http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm).
Check your credit reports thoroughly and frequently. Look for accounts you haven’t opened, addresses that aren’t yours, and activity you know nothing about including employment, bankruptcy proceedings, arrests, and lawsuits. Misinformation may signal fraudulent use of your identity instead of human error.