Free Credit Report

To most everyone your credit report only becomes significant during important times of your life. Such as when you are getting a loan, a credit card, or even better.. a mortgage. My credit history has been on my mind since, oh, about March 12, 1999. Because I am in the process of looking to buy a home I have started to look at my credit report and realized that I am looking at it a little bit late.

I will pass a little bit of interesting information to you now, so that you can help yourself. The FTC reuires that you are able to receive a free copy of your credit report once every 12 months. You will be directed to AnnualCreditReport.com to obtain a copy of credit reports that are tracked via 3 different companies. Could their reports all be different. Yes they could be. Are they the only credit reporting companies out there. No they are not, but this should give you a good idea as to what is on the other reports. I have been denied credit based off inaccurate credit report from CSC Credit Services.

It's free so go out and get it to protect yourself. It cannot hurt!