YOU CAN NOW OBTAIN A FREE CREDIT REPORT ONCE A YEAR. 

This is a good time to see what companies see when they pull your credit when you apply for a car loan, home loan or just a simple credit card.  It's also a good tool to use to "clean up" any negative stuff on your report.  The credit report is free and you can also obtain your "credit score" for a nominal fee.

As Martha Stewart would say, "IT'S A GOOD THING!"