It's surprisingly easy to check your own credit by contacting one of the agencies listed here. You may request your credit report my mail, telephone, and in some cases, via the Internet.

Some charges may apply, usually about $8.00. However, you may obtain a free credit report under certain circumstances. Contact one of the agencies listed below for more information.

Equifax
Equifax Disclosure
P.O. Box 740241
Atlanta, Georgia 30374-0241
1-800-997-2493

Trans Union
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213

Experian (TRW)
Experian National Consumer Assistance Center
P.O. Box 2104
Allen, TX 75013-2104
1-888-397-3742