Get Your Credit Report

Your credit report, and the credit score calculated based on your report, determine your ability to get new loans and lines of credit as well as the interest rates you'll pay. The accuracy of items listed on your credit report are crucially important to your ability to get the credit and rates you deserve.

The good news is that you're legally entitled to a free credit report from each of the three major credit bureaus (Equifax, Experian and Transunion) once a year. To get free reports you must use www.annualcreditreport.com. I've heard complaints about the site being a little clunky but it does work and it is free.

If you want to read more about credit, credit reports and credit scores look at our primer on understanding your credit.

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