The federal Fair Credit Reporting Act (FCRA) entitles every American to a free credit report each year. So, how do you get your free credit report?

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Your credit report contains a great deal of information about your financial situation. But how do you know what’s in your credit report?

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When the issue of credit comes up, it is not uncommon to become a little confused at the difference between a credit report and a credit score. However, knowing the difference between the two, and understanding how they are related, is essential if you want to stay on top of your credit situation.

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Our culture is increasingly becoming aware of the importance of credit, and of maintaining a good credit history. However, some still do not check their credit reports. They think that it is pointless, unless they actually plan to borrow a large sum of money.

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Before applying for a loan to finance a new house, car or business venture, make sure you have seen your entire credit report. Are the data accurate and updated? Do you see figures that seem to be above or below what you have thought of?

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