Two months ago I started renting a room up in the city of Norwalk. My landlady is originally from the country of Brazil and has turned out to be a very nice person. On Monday afternoon I got home from work a little early and I noticed that my landlady was in her kitchen looking kind of sad. She said that she applied for some credit and was turned down. I told her that she should probably try and get a Free annual credit report. I explained to her that there were basically three credit reporting services and she needed to get information from all three.