Before the holidays is a good time of the year to check your credit report. Go to annualcreditreport.com for a free copy of your credit report from TransUnion, Experian and Equifax once every 12 months. This site is the federally mandated site for consumers to get their credit reports. Make sure you print out your report and save it on your computer. Call Pine Street Legal at (215) 345-9214 for a free consultation about what your credit report says and to help you dispute any inaccuracies on your credit report.