Most American's do not know, have never heard or do not care they are entitled to a "free credit report" once a year.
The Fair Credit Reporting Act (FCRA) requires each of the three consumer reporting companies Equifax, Experian, and TransUnion, provide you a free copy of your credit report, once every 12 months.
Why is it important for you to receive your free credit report?
If you never check your credit report, you have no idea, if or what, inaccuracies are present. There may be entries that have a significant impact on your ability to obtain credit, may influence your interest rates on credit cards and personal loans, and may prevent you from obtaining a job. If inaccuracies exist, under federal law, you have the right to have them corrected.