From: USA.gov General Services Administration Have you checked your credit report lately? If it’s been a year or more, you can order your FREE annual credit report through AnnualCreditReport.com or by calling 1-877-322-8228. The Federal Trade Commission warns consumers to beware of advertising for “free credit reports” other than AnnualCreditReport.com. Other products may use the word “free” in their advertising or websites, but often require consumers to spend money. Each year, you’re entitled to get a free credit report from each of the three credit reporting agencies: Equifax, Experian, and TransUnion. You can either space out your requests throughout the year, or request all three reports at once. Your credit can affect your ability to make large purchases and apply for a loan or mortgage. By checking your credit report, you can ensure that your personal information is accurate and that no fraudulent accounts have been activated.