Free annual credit report

The commercial on TV advertising freecreditreport.com is not actually the place to get the free reports as mandated by law.  The actual website that will allow you to get your three free reports, one from each of the major credit companies is www.annualcreditreport.com.  You should check your credit reports occassionally but especially if you expect to be applying for a loan or mortgage in the near future.  Your credit score and history will play a big part in the interest rate offered to you.