Free annual credit reports are now available in every state. To order your free report, go to www.annualcreditreport.com, and either order your report online or download a form to mail in your request. You can also call 877-322-8228.

Also, you are entitled to one free copy of your credit report each year under the following circumstances:

• you've been denied credit because of information in your credit report and you request a copy within 60 days of being denied credit
• you're unemployed and looking for work
• you receive public assistance
• you believe your file contains errors due to fraud or you are (or you think you are) a victim of identity theft
• you've been denied employment (or another adverse employment decision has been made) based in whole or in part on information contained in the report, or
• your report has been revised based upon an investigation you requested.