In December, you can review your credit report once per year at no cost. This review is important to make sure that there are no errors or, worse, that no one has found access to your information. You can order reports now for $9 from Equifax (800-685-111), Experian (888-397-3742) and TransUnion (800-888-4213). If you find errors, report them to these bureaus, the reporting creditor and the Federal Trade Commission, using certified mail. Check back to see if the errors were corrected.