Your credit report may affect your loan rates, credit card approvals, apartment requests, or even your job application. Reviewing credit reports also helps you catch signs of identity theft early.
Lots of websites promise credit reports for free. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them. You’re entitled to one free credit report annually from each of the major bureaus – TransUnion, Equifax and Experian. Check all three at once, or space them out every four months throughout the year to keep tabs on any new lines of credit or errors that may show up.