DPT--Check Your Annual Credit Report

Here's a quick tip to make sure your credit history remains accurate--be sure to request your free annual credit reports at least once a year, review them thoroughly, and correct any information on them that you find is incorrect. The web address to access these free reports is http://www.annualcreditreport.com/. Many people are confused by a heavily advertised commercial service that touts itself as providing free credit reports, however the disclaimer is that you need to sign up (and pay!) for their credit monitoring service--this is really misleading. By checking your credit reports each year, you can make sure no one has stolen your identity and run up debts in your name.