If you are a resident of Maryland Vermont, Georgia, or Massachusetts, you can get a free copy of your credit reports. Residents of other states might have to pay. In any event you should go ahead and do this.
There are three credit rating agencies. Contact each:
- Equifax (phone: 800-685-1111)
- Experian (formerly TRW) (phone: 800-682-7654)
- Trans Union (phone: 316-636-6100)