Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application. And reviewing your credit reports helps you catch signs of identity theft early.
There are three major credit reporting bureaus. You can get a free copy of your credit report every 12 months from each credit reporting company.
Lots of websites advertise free credit reports, but visit http://www.annualcreditreport.com, the only source for your free credit reports as authorized by Federal Law.