Free Credit Report access is available.

The three nationwide credit reporting agencies now provide a Web site and phone number that consumers can use to request free annual credit reports. The three agencies are Equifax, Experian and TransUnion.

For the reports, consumers can:

• Visit the new Web site by entering www.annualcreditreport.com into your browser address bar (for security purposes the Web site owner will not allow a direct link).
• Call 877.322.8228
• Mail a standardized form (available via the link below) to:
  Annual Credit Report Request Service
  P.O. Box 105281, Atlanta, Ga. 30348-5281

Dowload a copy of the FTC's "Your Access to Free Credit Reports" form