With a new year approaching, it is a good time to check your personal credit. Thieves can gain access to your personal information through various means these days and you may not become aware of the problem until damage is already done. The Federal Trade Commission has a website with a link to the only authorized on line source to obtain your credit report from the 3 main credit reporting companies. The service is free and you are entitled to obtain the report once every 12 months. There are some other legitimate sources to obtain the information, however, most come with strings attached or a fee to continue monitoring your credit. Protect yourself from ID theft and potential loss due to ID theft. Make this a New Year's resolution and moreover, an annual practice!