The laws have changed and now every American is entitled to one free credit report from either Experian, TransUnion or Equifax yearly, under the Fair and Accurate Credit Transactions Act.

Get your free report at www.annualcreditreport.com.

Alternatively, if you are uncomfortable giving out your social security number online, mail your request to Annual Credit Report Request Service, Box 105281, Atlanta Ga. 30348-5281 … or call them at 877.322 8228.

As fyi, a credit score determines how high your interest rate will be when you are borrowing. And, a good score is 850 – 720.