How to Check Your Credit Report Each Year
Unfortunately, even if you do everything right, bad guys might still succeed in stealing your identity. After all, you can control who has access to your personal information, but you can't control how well a company that you do business with secures its personal-data records.
Nevertheless, you can limit the damage that would result from undetected identity theft by checking your credit report regularly. Periodically checking your credit report is a good way to make sure that no one has opened credit card or bank accounts under your name.
If you are a U.S. citizen, you're entitled to receive one free credit report every 12 months from each of the three major credit agencies-Equifax, Experian, and TransUnion-via Annualcreditreport.com. The service will let you examine and print out your credit report for free, but if you want to obtain your actual credit score, you'll have to pay for it. Since your freebie credit report is just a once-a-year affair, it's a good idea to insert a reminder in your calendar to check in again with Annualcreditreport.com in 12 months.