Your credit score can affect your ability to rent or purchase a home, obtain reasonable interest rates on loans, and even establishing utility or cell phone accounts. But how do you keep current on your all-important credit score and credit report? Free Credit Reports Did you know that, under the federal Fair Credit Reporting Act, you are entitled to one free credit report per year? Annualcreditreport.com, a site run by the Federal Trade Commission (FTC), provides a link and