Free credit reports: Don't get burned.

The government now allows you one free credit report a year. However, you have to find the website, and let me tell you, it's not easy. There are a TON of imposters trying to sell you credit monitoring services.

For your information, here is the Federal Trade Commissions website that talks about it and even more important is the actual website:

Don't fall for "" or "" because they aren't the official site. If you don't believe me, go to the FTC's website and see for yourself.