Concerns about identity theft have been all over the place recently.
And one sure-fire way you can tell if someone has stolen your identity--is to check your credit report.
You can get a free credit report from each of the three reporting agencies: Experian, TransUnion, Equifax.
What you can't get for free from the bureaus is your credit score. That's the number banks use to determine the interest rate you pay on anything. It's your financial snapshot.
Right now Discover Card, Barclays and First National Bank of Omaha give their customers their scores for free.
But what about the rest of us?
Why isn't it available for free? Consumer Reports says its because credit scores are usually sold in conjunction with credit monitoring services.
Consumers Union, the advocacy arm of Consumer Reports, is pushing The Fair Access to Credit Scores Act.
It would do just what it says and give you a free credit score with your free credit report. Both houses of Congress took up the act last Spring.
There's a Fair Access To Credit Scores Petition you can sign... and Consumer Reports suggests you write letters to your bank complaining about not getting your credit score for free. The thinking is, the more people ask for change, the more of a reality change can become.
If you do write this letter, Consumer Reports wants you to email a copy of the letter (minus any account numbers) to MoneyEditor@CR.Consumer.org