You are or soon will be eligible for a free yearly credit report from Annual Credit Report.com. This website appears to aggregate data from the big three crediting reporting agencies: experian, EQUIFAX, and TransUnion. This is a nice service to check up on your credit and verify you are not a victim of identify theft. Currently, identify theft is the fastest growing crime in America.

It is about time that a person can have free access to the data tracked about their credit, spending, and payment history. This is important data that determines interest rates available to you as well as the prices for most types of insurance. Hopefully, free access will eventually be increased to more than one report per year. However, kudos are appropriate for this step in the right direction.