I use the free annual credit check every year. I think you can only use it for free once a year. Things may have changed since I last got my report, but they are great! If you have an old credit acct., 7 years or older, you can dispute it and it will come off your acct. because it is over 7 years old. I have done this and it works with no problems. Easy way to bring up your credit score when these come off the report. Don't be afraid to dispute it's very easy and works most of the time. Stick to your guns and make them at least think you know your state laws. They usually do not want to argue. Good Luck and check it out!