Take charge, so you’re not caught off guard.

Taking and maintaining control of your credit history is easier than ever. You are now entitled to one free credit report from each of the three national credit bureaus (Equifax, Experian and Trans-Union) every year.

Not only does this site provide congressionally mandated free credit reports, but it also offers extensive tools to help you monitor and guard against identity theft.

Once you have your credit report, review it very carefully to make sure that:

• All the credit information reported is accurate and belongs to you. If not, you may be a victim of identity theft.
• All the credit accounts you have closed indicate “Closed by Consumer.”
• All your credit cards indicate your credit limit.

Take charge. Make sure you know what’s on your credit report so you’re not caught off guard when you need your good credit the most.