If you live in Illinois or Michigan you can get a free copy of your credit report from the three big credit agencies for free. Actually it applies to a number of states other than those, but I know that all the people that regularly read this blog are from one of those states. I haven't checked mine in quite a while. As a previous victim of identity theft, yes, I know that's bad of me.
You can get your credit reports by visiting www.annualcreditreport.com or by phone at 877-322-8228. I just did it, and it really is painless. Now we'll see if my credit is just as painless.