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There has been a lot of talk lately about credit reports and credit scores, and how important they are. It seems like you can’t turn on the TV without hearing something about how important it is to keep tabs on your financial standing. Your credit score is a list of your financial history, showing lenders and banks whether you’ve been a good borrower, or a not so good one. This financial track record can be the deciding factor when you apply for a loan, car lease, credit card, or mortgage. It pays to know what is on your credit report, quite literally, as a good credit score can save you thousands of dollars.

There are three major credit reporting agencies in the United States: TransUnion, Experian and Equifax. Each of these companies keep a separate record of your financial activities. It is common for each of the three agencies to report a slightly different credit score for the same person. This is due to slightly different record keeping practices, as well as possible errors and out of date information. Yet another reason to be sure to check your credit often Rego Check NSW.

The good news is that you won’t have to contact each of these three credit reporting companies separately, you can request a free report from all three by going , their official site. You will also find information as to how to request a credit report via snail mail, email, or phone, if your prefer.

This service is available to you for free because of recent laws passed by the Federal Trade Commission requiring that these three major national credit reporting companies provide anyone with a 100% free copy of their credit report, if requested, up to once every 12 months.

One of the most important reasons to frequently check your credit history report, is the rising rate of identity theft and fraud. Every year thousands of innocent citizens are victims of identity theft without even noticing. Such crimes can cause devastating damage to your credit score, seriously effecting your likelihood of receiving a good loan or mortgage when you need it. Less serious errors can also be present on your credit report, such as mistakes by credit agencies and out of date information. By check your credit history you can detect these errors and notify the appropriate credit reporting agency of the inaccurate information.