Do you know what's on your credit report? Is the information accurate about how much you owe and if you pay your bills on time? Is there old data about a foreclosure or bankruptcy?

Have you been a victim of ID theft or other fraudulent activity?

Who else has been looking at your credit report? Has a credit reporting company sold your info to another company?

You will never know the answer to these questions unless you exercise your right to your annual free credit reports.

Credit reports are what employers, credit card companies, banks and loan companies use to determine if you are responsible with your money.

What if the information is not correct or outdated? The party searching will make their decision on the information given, they will assume it is accurate.

It is up to you to ensure the data is accurate. Even if you have bad credit, the data is invaluable in helping you begin to repair your credit.

Your free credit reports are available once a year, one from each of the 3 major credit bureaus; TransUnion, Experian and Equifax.

An accurate credit report is crucial, here's why:

1. Protect yourself from ID theft and fraud.
2. To be approved for a mortgage instead of declined... or even lower your existing mortgage payment
3. Ensures access to necessary credit for consumer purchases
4. Offers peace of mind you are getting the best interest rate on a vehicle purchase
5. Helps represent yourself accurately during a job interview or with potential landlord

Free... easy to get... offers peace of mind and potentially huge savings on interest payments... why wait?