Credit History

Your Credit Score Keeps Score on You!

So you have money coming in, set up a checking and savings account, planned a budget to control spending and use your credit card wisely. So what? Why does this matter?

To establish and improve your credit score, that's why!

Before you set out on any journey you need to know where you are right now. Everyone (yes, everyone!) should have an idea what their credit history looks like. Banks, lending institutions, insurance companies, landlords, and your future employer may look at your personal credit report to get an idea about your personal character. Want to see what they see? YES!

According to AnnualCreditReport.com, you are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies - Equifax, Experian and TransUnion. This free credit report can be requested through the website, by phone or by mail. Do not be confused by the credit report companies on television with the guys in funny hats and catchy songs! These sites have you enroll in a credit monitoring service for a fee. Only AnnualCreditReport.com has been approved by the U.S. Treasury to provide your credit history for free.

Here are "9 Surprising Facts About Your Credit Score" from US News and World Reports.

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