The easiest way to get free reports from all three bureaus is to visit_ https://www.annualcreditreport.com/_or call 1-877-322-8228. That service can only be used once per year. This site lets you order all three (Experian, Equifax and TransUnion at once).Warning: Do not fall for schemes that advertise on TV like "Freecreditreport.com." Those sites are not the real free site and you'll spend money you do not need to spend. Their free means they will bill your credit card and charge you an exhorbitant fee. Do not fall prey to the silly ads! You can also get credit reports separately per company. Don't pay when you can get it for free. - Experian: 1-888-397-3742 or_ http://experian.com/freestate_(both free) or_ www.experian.com_(charge)

Recent changes in the law also allow you to get free copies of "speciality" credit reports once a year. Here are some you may want to check: - C.L.U.E. Personal Property and C.L.U.E. Auto: Your insurance loss information. 1-866-312-8076.

  • ChoicePoint Workplace Solutions: Your employment history. 1-866-312-8075.

  • Resident Data Inc. Tenant History: Your tenant history. 1-877-448-5732.

  • MIB Group: Medical records and nonmedical information that affects your health, such as an adverse driving record. 617-426-3660.

  • ChexSystems: Your handling of checking and savings accounts. 1-800-428-9623.

  • TeleCheck: Your check-writing history. 1-800-366-2425.