Credit Reports and Scores

Why they matter:

• Your report on any or all of the three major credit bureaus may be viewed by everyone who wants to know about you from a potential employer, client or business partner to, perhaps, a romantic interest.  Damage to your score is damage to your reputation.
• Credit reports and scores are used to determine interest rates and insurance premiums.  A small error can cost many thousands of dollars.
•  Monitoring your credit report is the best way to protect against identity theft.  Catching it early is the key to minimizing the damage.

Benefits of monitoring your credit reports and scores:

• Peace of mind
• Fix errors quickly.
• Improve your score
• Incredible value -- free to do once a year, only a few cents a day to stay on top of it
• No downside -- checking your own credit report does not lower your rating and may actually help it. 

So, when is the last time you checked your credit reports and scores?