Many people use January as a month to focus on their financial goals and prepare for the year ahead. Reviewing your credit report should be part of your plan when it comes to looking at your financials. So remember to get your annual free credit reports from the only website that is approved by the federal government. To request your free credit reports from all 3 national credit bureaus, go to https://www.annualcreditreport.com/cra/index.jsp.