FREE Credit Report

Don't fall for the catchy tunes or cute commercials.  The best way to get a FREE credit report is http://www.annualcreditreport.com/.  This site allows you to get one free report from each of the Big 3 reporting agencies (equifax, transunion, and experian).  They will try to sell you upgrades such as credit watch, FICO scores, etc, but you can skip all of that and just get your FREE reports.  You can get one set of free reports per year.  Set yourself a yearly reminder, such as anniversary, birthday, etc. so you don't miss out on this yearly freebie.