The Hoboken Cafe 

If you did not realize it, Sept 1, the fourth and last region may receive a free credit report. This is a part of a new federal mandate called Fair and Accurate Credit Transactions Act (you can google the news articles @ news.google.com if you want to check for the legitmacy of these reports. ) Here is what you can do

http://www.annualcreditreport.com (beware of similar named sites as they may be used for phishing for your identity).
877-322-8228

Or check with the FTC
http://www.ftc.gov/bcp/conline/audio/freecreditreports.htm

Just trying to be helpful