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Credit Report

Lenders usually check all 3 major credit bureaus before extending credit to an individual. That's why it's crucial to get a credit report from each of the 3 agencies in order to get an accurate view of what the lender sees about you. If you're hoping to buy a new car or home, reviewing your credit report can help you catch and repair errors or inaccuracies before they have negative consequences on your credit standing.

Credit Score

When you are being considered for a loan by a lender, one of the most important factors they look at is your credit score. Basically, the higher your score is the more likely they will be to approve you for the loan. Higher credit scores are also more likely to help you get the best interest rates, the lowest fees and all the better benefits enjoyed by those with good credit. Check the average credit score in your state to see how your credit score compares.

Identity Theft

Identity theft is the fastest growing crime in the United States, affecting more than 2000 people a day. By checking your credit report regularly you can thwart identity thieves who may try to use your name for their purposes. Your credit report may show up with errors, accounts you never opened, bills sent to the wrong address - all signs that someone else is using, and ruining, your name and credit.