Credit Scores, Credit Reports and You

Building a good credit history is important to your financial health. Your credit history reflects how you manage your money, use credit products such as credit cards and loans, and pay your bills. It is also what lenders use to judge your credit worthiness — impacting you financially. Your credit report and credit score help determine the interest rates lenders are able to offer you when making major purchases such as buying a vehicle or home.

You can check your credit report for free each year at This is the only site that provides the free reports per federal regulations, so don’t be fooled by flashy advertising from other companies.