A recent amendment to the Fair Credit Reporting Act requires that all three major credit bureaus (Equifax, Experian, and TransUnion) provide you with a free copy of your credit report, upon your request, once per year.

To prevent them from being overwhelmed with requests, the free reports are being phased in over a nine month period, from Dec. 1, 2004 to Sept. 1, 2005, depending on your state of residence.

For more information, visit the FTC‘s page, or go to http://www.annualcreditreport.com/. (No link provided, since that web server rejects requests with a HTTP_REFERER header from any site other than www.ftc.gov, www.equifax.com, www.experian.com, or www.transunion.com, presumably to thwart phishing attacks.)