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Official free credit report website is now only a mouse-click away!

With new credit card laws now in effect, it is more important than ever to keep abreast of your credit rating. Now you are entitled to get your free credit reports from the 3 major credit bureaus -- TransUnion, Experian, and Equifax -- once each year by logging onto www.annualcreditreport.com.

There, you can order your report and view it online, and you can even have the option to print it off to look it over offline.

Although you won't get your FICO credit score for free (you'll have to pay a few dollars for it), having your free credit report will allow you to check over your reported history file, searching for errors and ommissions.

You have every right to dispute errors in your credit. Outdated derogatory marks can be disputed and removed. Incorrect credit entries must be removed.

You can then begin the process of repairing your credit history by following proven, easy steps we've laid out for anyone to use at FindHow2.com.

Information you'll need to provide to get your free credit reports:

you will need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address.

For security purposes each nationwide consumer reporting company may ask you for some information that only you would know. I've known where they will ask for your monthly mortgage payment, perhaps they will ask you a question that nobody else would be able to answer.

In any case, each company might ask you for different information, because the information they have about you in your file may come from different sources.

Why you need to get a full credit check on yourself...

Your credit report has information that affects whether you can get a loan – plus the credit score based on that report determines what interest rate you will be charged to borrow money. Reviewing your credit reports allows you to:

***Ensure information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or even apply for a new job. Accurate information gives potential lenders correct information on your credit worthiness.

***Guard against identity theft, and prevent somefrom from stealing your personal information – like your name, your Social Security number, or your credit card number – to commit fraud. Identity thieves steal this information to open new credit card accounts in their victums' name. Then, when they don’t pay the bills, the delinquent account is appearing on the victims' credit report. Inaccurate information could potentially rob you of your ability to get that new job you've been wanting, or to buy a new auto or a new home.

For more information, be sure to review "How To Read & Understand Your Credit Report"

To read the PDF version of the full Fair Credit Reporting Act from the FTC's website, click here...