Most people in the United States now have the opportunity to get a free copy of their credit report. Under a law passed by Congress, the mountain and Western states got free reports in the fall of 2004. Then, in winter, the Mid-Western states were added. Now, as of June 1, Southern states can access reports for free. That includes Texas, Louisiana, Arkansas, Mississippi, Georgia, Florida, Alabama, Kentucky, South Carolina, Tennessee and Oklahoma. There are three major credit bureaus – Experian, Equifax and TransUnion – and each one has a different report on you. You’re allowed one free report from each bureau every year. So, Clark recommends that you get a report from each one every four months. Mark it on your calendar and do it! The only legitimate site with information about this is annualcreditreport.com. Just be sure that you don’t sign up for any subscription services with the credit bureaus when you’re there. They will push this on you. So, the only states left on the list are Virginia, North Carolina, and those in the North East and New England.