PIB TIP: REQUEST FREE CREDIT REPORTS. Maintaining a high credit rating will be easier if you keep up with what it is. Federal law now requires each of the three major credit reporting companies to send you a free copy of your credit report, on request, once a year. Visit annualcreditreport.com. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Schneider National Inc. and Freightliner Trucks.