Hi Barbara and thanks for your question.

Actually, thanks to a 2004 federal law, everyone is entitled to one free credit report per year from the three main reporting agencies--Equifax, Experion and TransUnion.

You may request your free report by email, telephone and US mail. To get your FREE credt report online, visit http://www.annualcreditreport.com. By telephone, you may request your FREE annual credit report by calling (877) 322-8228 and then following a few simple steps to verify your identification. By mail, you may request your FREE credit report by filling out the request form available at http://www.annualcreditreport.com and mailing it to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA, 30348-5281. Reports requested by mail are processed in 15 days and should be received by the requester within 2-3 weeks.

Hope this helps and good luck!!

Sincerely,
Grace Morioka, SRES, e-Pro
Area Pro Realty