Debt Consolidation
It is recommended however that every year or two that you obtain a copy of your credit report from one or all three credit reporting agencies. You can receive it for free, once a year. And it can be done online and received on line. The purpose of looking at your credit report is to make sure that all the information there is identifiabe (by you) as business that you have in fact done. If you notice entries about getting a loan or applying for credit or a credit card and you think to yourself, "What's that? I never applied for that loan", then this is where you need to be concerned and to inquire further. It may be an indicator of identity theft. Many people don't even know they are a victim until years later.
You can also order your credit score for an extra cost. But the score may saitisfy your personal interest more than anything. When you apply for a loan or credit and you know your credit is good, the red flag will come if the lender tells you something to the contrary. Here's where you can wonder if your score is low and why, but then it still goes back to looking at the credit report for entries that don't match what you know to be accurate.
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