A credit report is a great tool to monitor what people are saying about you. Not people actually, but the businesses and organizations that you are making payments to are letting the next business or organization know how reliable you are. It's important to check in and make sure that your best and truest information is out there.
There are 3 credit reporting agencies and each one will allow you to run a free credit report once per year. I recommend rotating among the 3 so that every 4 months you are checking in on your credit details. Annual Credit Report.com - Home Page is a legitimate site where you can run your credit reports.
In my book I go into detail of what to do if your credit report is incorrect, so I won't review that here, but know that you do have options available if your credit report paints an unfair picture of your payment history.
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