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're looking for a comprehensive credit report and monitoring service, we suggest Lifelock Ultimate. Lifelock's Ultimate service gives you access to all 3 annual credit reports, monitoring of all 3 reports for risks, all 3 annual credit scores, a monthly update of your Transunion credit score and a range of identity protection services including surveillance of black markets for the sale of your personal information and attempts to open new lines of credit and checking and savings accounts using your personal information. The list of benefits goes on and you can read the full details at Lifelock. For a limited time, we can offer a 10% off on all of Lifelock's identity protection plans with discount code: CJ. Check it out for yourself; you'll be as impressed as we are.

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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