Editor's Note

Happy New Year, Pen Pal readers! To kick off this new year at the Pen Pal, we are excited to introduce a new section. This new section, called It’s FREE!, is dedicated to all things free! We feel this will be one of our most beneficial sections to you. We know that, due to the state of the economy, many of us are struggling and looking for ways to save a little money. So to help us all out, each month this section will feature something that’s free…a free item, a free class, free financial advice, and more! We’ll be busy scrounging the Internet looking for a great deal for you each month!

This month our FREE feature is Free Credit Reports. You’ve seen the commercials with that catchy little jingle, but how do you go about getting a credit report that’s truly “no strings attached?” Why should you do this and how often? Are the commercials legitimate?  

So take a moment and drop in on our new section. We hope you find the information helpful! Happy reading!

Christy Wolf

Editor