Did you know you are entitled to one free copy of your credit report from each of the three credit reporting agencies every year? If you haven't received one in 2014, now's the time to do so. I always follow a link from the FTC's website, because there are a lot of scammers out there offering "free" credit reports for a fee. You can dispute any questionable information on the report directly through the agencies' websites. For some reason I couldn't get the Experian report to display, but that might have been user error.