April 24, 2006 at 2:22 PM EST - Updated July 2 at 5:35 AM
Albany - The Federal Fair Credit Reporting Act requires major credit bureaus to provide you with a free copy of your credit report, at your request, once every 12 months.
For many people, the only time they even think about their credit is when they apply for a credit card.
Credit history could also affect whether you can make major purchases.
Every year, at least once a year, it's a good ieda to check your credit report to make sure there's nothing on there that shouldn't be on there, like an open line of credit that she didn't apply for, or past due bills.
Credit cards aren't the only thing that can affect your credit report. Even something as innocent as a library fine can have a negative impact.
And if someone is using your identity to make purchases, it could cause big problems.
Your credit report is free and immediately available, with just the click of a mouse. You can also obtain a copy of your credit report by phone or postal mail.