Free Credit Reports

www.annualcreditreport.com

This is the only site where you can get your annual credit reports from all 3 agencies without signing up for a service. I would suggest that you only check one of the 3 reports every 4 months. They run on a 12 month year i.e. May to May rather than once in 2008, once in 2009 etc.

So check Experian in January, Transunion in May, and Equifax in September, etc. They will email you when you are able to view a new report after 11 months have passed. This is a good way to monitor the reports throughout the year and begin protecting yourself against identity theft.