Then, the credit agency must send you a letter informing the outcome of the investigation and the updated copy of your free credit report.
Small such emergencies can really add to your debt if you do not plan for them.
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In addition, a good search on the net will also help you to some extent. Apart from these, the online application allows you to access the credit report from anywhere and that too at any time.

One of the main reasons why an employer wants to see your credit report is that they want to check your work history and see if it fits and to verify your social security number.

Equifax, TransUnion and Experian are three major companies that are required to give you a free report each year.
If, for example, someone has been getting accounts in your name and not pay or tell you, they will appear on your 3 credit reports as bad note.