Have you checked your credit lately?

Identity theft is real and checking your credit is wise, whether you're planning to buy a house or not. Did you know you're entitled to a free copy of your credit reports every year? January is a good time to add this task to your calendar. 

There are lots of companies out there offering "free credit reports" if you sign up for their monitoring service. But you don't need to do that, simply visit annualcreditreport.com.  After answering a number of questions that will verify your identity, you will have access to all three of your full credit reports.