One copy . credit report every 12 months and depending on what state you are living in. you may be entitle of additional free copies. the web september to claim your federal freebey. you don't need a credit card . you should claim it once every 12 monthings. you don't you don't know if it is right or wrong. >> let me jump in. annual credit report.com. it is free, folks. once you get it how do you know, john what error to look for and what are the most common? >> you are going to want to go through it with a fine tooth comb and look specifically at the identification section and trade section. ...