Stuff to Blog About and More: ABOUT NATIONAL ADOPTION DAY

National Adoption Day is a collective national effort to raise awareness of the 129,000 children in foster care waiting to find permanent, loving families. For the last eight years, National Adoption Day has made the dreams of thousands of children come true by working with courts, judges, attorneys, adoption professionals, child welfare agencies and advocates to finalize adoptions and find permanent, loving homes for children in foster care.

Celebrated in all 50 states, the District of Columbia and Puerto Rico, more than 300 events are held each year throughout the country to finalize the adoptions of children in foster care, and to celebrate all families who adopt. In total, more than 20,000 children have been adopted from foster care on National Adoption Day. This year, National Adoption Day will be Saturday, November 15, 2008*.

*Traditionally, National Adoption Day is celebrated the Saturday before Thanksgiving. Out of respect for the nation's remembrance of the 45th anniversary of the assassination of President John F. Kennedy on November 22, the National Adoption Day Coalition elected to move the celebration of National Adoption Day this year only to the Saturday prior.

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FTC: Your Rights: Credit Reporting

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission (FTC), the nation's consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights under the FCRA and how to order a free annual credit report.

A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

How do I order my free report?

You can order your free annual credit report online at annualcreditreport.com, by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.

A Warning About "Imposter" Sites

The FTC advises consumers who order their free annual credit reports online to be sure to correctly spell annualcreditreport.com, or link to it from the FTC's website to avoid being misdirected to other websites that offer supposedly free reports,but only with the purchase of other products. While consumers may be offered additional products or services while on the authorized website, they are not required to make a purchase to receive their free annual credit reports.

For more information on free annual credit reports, read Your Access to Free Credit Reports.