When was the last time you saw a copy of your credit report? If it’s been more than two years, then it’s probably time to take another look.

It’s important that you understand the information in your credit report, regardless of your financial situation. This information directly impacts your ability to obtain a credit card, buy a car or home, rent an apartment, or even get a new job. Two of the best reasons for reviewing your credit report today are to make sure your credit report is accurate and protect yourself from fraud or identity theft.

If you’ve ever applied for a credit card, a personal loan, or insurance, there’s a file about you. This file contains information on where you work and live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Companies that gather and sell this information are called Consumer Reporting Agencies, more commonly known as credit bureaus. The information credit bureaus sell about you to creditors, employers, insurers, and other businesses are called consumer reports or credit reports. The three major consumer-reporting agencies in the United States are Equifax, Experian, and Trans Union.

You now have a quick and easy way to get a free copy of your credit reports. AnnualCreditReport.com is the only source for your free credit reports authorized by federal law.

Click here to get your reports now.

This site will also tell you what to look for when reviewing your reports, give you tips on how to protect your identity and answer many more questions in their FAQ section.