For those millions of users out there, who are buried in debt and don't understand why they can't get more credit cards or whatever, we all now have a way to fight back!
No more paying for credit reports or waiting to get rejected for credit to apply for the free report, now the Federal Government is giving us our due and requiring the agencies to give us a free credit report once a year!
Check it out:
http://www.ftc.gov/bcp/conline/edcams/credit/ycr_free_reports.htm