Keeping an eye on your credit report is a good way to catch problems with your credit history or even potential criminals that may be trying to steal your identity. There are a number of companies that advertise free credit reports, but almost all of them come with one catch or another.

Many people have heard or seen something about getting a free credit report. There are some commercials on the air today that are so annoying they stick in your brain and you can’t seem to get them loose. The truth is that the federal government has set up a program to get you a free credit report from each of the major reporting agencies every year.

You can access your truly FREE credit reports by going to annualcreditreport.com. To make the best use of your free credit reports, just access one of them every four months. You will be able to keep a close eye on your credit history and you will be able to spot potential problems before they wreak havoc on your finances.

The best part about the federal governments free credit report program is that it doesn’t cost you anything. You don’t even have to endure endless promotional emails or phone calls. It is completely free and completely without strings.