You can get a copy of your credit report from the three major credit bureaus every year. (Federal law gives you the right to one free credit report from the three credit bureaus: Equifax, Experian, and TransUnion — http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm.)

You should consider checking those reports to make sure everything on your credit report is accurate. You can also stagger the request so you can get a report once every four months. It is a good way to watch for identity theft or for inaccurate information on your credit.