Identity theft and credit reporting agencies:

Where can I order free credit reports from Trans Union, Experian and Equifax?  Are all credit report agencies the same?   What if some of the information on the report is wrong, how do I get the agency to correct it?  What if someone else is using my identity? What if one of my adult children got a credit card my name without my permission? My ex husband is still using our credit cards, how do I get him to stop? What is the difference between an authorized user on a credit card and a co-signor? If I am an authorized user am I responsible for the debt? Am I responsible for the debt if I am a co signor? If you have questions like these, call for a free consultation.