Credit

In North America, you are entitled to request your credit report once every 12 months via snail mail. We highly recommend you do this once a year. Not only to provide visibility to what creditors see about you, but it will also provide insight if you've been a victim of identity fraud.

In the US, you are entitled to one report per year, per credit company. If possible, stagger your requests about every four months throughout the year.

Canada
Equifax Request Form(pdf)

TransUnion Request Form(pdf)

US of A
http://www.freecreditreport.com/ Despite the slightly suspicious name, this is a valid site. They will try to get you to purchase "additional" information and services, but this is not required to get a credit report.