You can also get one free report each year if you can prove that you're unemployed and plan to look for a job within 60 days, you're on welfare or your report is inaccurate because of fraud. One, the National Foundation for Consumer Credit , maintains1,450 offices and can help people re-establish good credit without the risk of getting snarled in a Web of deceit. The foundation is a network of nonprofit organizations, which usually operate under the name Consumer Credit Counseling Services. Similar low-cost credit counseling is also often available through universities, credit unions and on military bases. You can also use the FTC's online complaint form .
Many states offer additional protections.
Contact your state attorney general to get information or make a complaint. Even if everything appears to be going smoothly, you would be wise to check your credit report periodically. In some cases it could just be a mix-up with someone else who has the same name. In any case, checking your report regularly can't hurt, but it can certainly help. U.S. Highway 1, North Palm Beach, Fl.