You can now check your credit rating without charge once a year from all three credit reporting agencies. Since credit scores vary between the three (which, to me, is stupid!), it's wise to choose one now, another one towards the middle of the year and the last of the three near the end of the year. You can call 1 877 322-8228 or www.ftc.gov/bcp/pubs/credit/freereports.shtm. If you do the web site, look for the "annual credit report request form" and print off copy. BTW, I'm not an employee of any government or credit reporting agency and get no compensation for posting this.