Credit Reports Matter!
There are lots of sites out there that promise you free credit reports but www.annualcreditreport.com is the only official site directed by the Federal Government to provide them.
It is recommended that you watch your own credit report to make sure there are no errors or signs of identity theft! You can get a copy of your credit report free once every 12 months from each of the credit reporting companies. You don’t have just one credit report or credit score. It is important that you monitor all four credit reporting agencies.
Your credit report may affect many aspects of your life from getting better/worse mortgage rates, job applications, credit card approvals and even apartment requests. You should monitor you credit scores so that when you need them they are ready.