| If you are anything like me and like to make plans now | | | | check your report at least six months before you |
| to ensure that your going to be financially secure in the | | | | even decide on making an application. If any |
| future, you might want to know why I got a free copy | | | | inconsistencies come up in your credit report this |
| of my credit report. Even if you don't have a car or a | | | | should give you a good amount of time to adjust them |
| mortgage yet, it is important to know exactly what is | | | | before any company sees your credit score. There |
| on your credit report. Every major financial decision | | | | are things you can do to correct your credit score. |
| you are going to make in the future is determined by | | | | Paying off some of your debt and making one-off |
| your credit score. | | | | payments are 2 good ways of bumping up your credit |
| If you are wondering about your credit the first thing to | | | | score. Another way to keep your score up to par is |
| do is obtain a copy of your free annual credit report. | | | | keep any accounts open, even if you don't use the |
| You can get these with TransUnion, Experian and | | | | credit card anymore. |
| Equifax. All 3 of these companies are obligated by law | | | | Identity theft is also a good reason to look into your |
| to give each individual a copy of their report once a | | | | credit history. This crime is out of control, and checking |
| year. These free credit reports you get annually are a | | | | your credit report regularly is a fantastic way to keep |
| good insight into your credit,by offering a log of all your | | | | identity thieves at bay. Report any unusual activity right |
| accounts and your record of payments you have | | | | away to the relevant companies. Catching things |
| made in that year. However, they do not give you | | | | quickly can save you thousands, and can keep your |
| your 3 digit credit score. This 3 digit credit score is | | | | credit from being ruined forever. I am so pleased I |
| what reputable financial institutions are going to judge | | | | decided to get a free copy of my credit report. There |
| you by when you make an application for a loan or | | | | is no excuse to be uninformed these days. Getting |
| credit. | | | | your own free credit report can even save you |
| If you are planning on making a large purchase, it is | | | | money when negotiating interest amounts on your |
| important to check your credit report. You need to | | | | loans! |