Free Annual Credit Report

When institutions check your credit, they don’t worry about the cause of it's status. Maybe you got behind on your credit card payments after losing your job. Or maybe you were sick and unable to work. They donn't really care. All they care about is what’s on your credit report and your credit rating. You have to make sure yourself that your credit report is accurate.

Why Should I Get an Annual Credit Report?

An annual credit report helps you stay informed about your credit status and be aware of any changes. During the course of the year, you can see if your credit report has changed, and it also helps you to be aware of any possibility of identity theft. This is important because if an employer or lender views your credit, they don’t know what’s right or wrong with it. So it’s your responsibility to remove any erroneous negative accounts that reflect badly on your rating.

When Should I Check My Credit Report?

The short answer is - before anyone elese someone does! Credit check can be performed by a potential new employer (especially when applying for position with a financial institution), when applying for any kind of loan, when applying for a mortgage, when refinancing mortgage or when getting life, property, car or house insurance. Get your free annual credit report before anyone else does!