You Should Keep Track of Your Credit Score via Your Credit Report

In this day and age, having a good credit score is almost as important as having a job or getting an education. In many cases, if you have a bad credit score an employer will choose not to hire you. If you have a bad credit score you won’t be able to buy a house. If you have a bad credit score, then you will have to pay more for your insurance. There are many reasons why you need to have a good credit score and if you aren’t sure what your credit score is, then you need to get a credit report to find out.

Every person in the US is entitled to a free credit report once a year. This free report does not require you to sign up for a ten day trial or use an alert system and so on. It is completely free with no strings attached. However, you do have to pay extra in order to learn your credit score. Your credit score is based on a number of factors that come from your credit report, and it is this score that determine whether or not you have good or bad credit.

Getting your credit report and your credit score is pretty easy. The Internet is flooded with companies that offer free and paid services for you to access both your credit report and your credit score. Usually the free options are pretty limited, with the exception of your free annual credit report, but it is a good way for you to determine what is going on with your credit.

Keeping track of your credit via a credit report is important for more than just finding out what your credit score is. Your credit report will show you what kind of activity has been going on with your credit. Many people who are the victims of identity theft, could have discovered this issue before it went too far if they had only kept track of their credit activity via their credit report.

You don’t have to be in the dark about what is going on with your credit. You should at least access your credit report once a year, although multiple times a year is better. This will ensure that you know what is going on with your credit and you can dispute anything that is inaccurate and fix anything that just doesn’t fit.