A credit report score is a record of your credit activities. It lists any credit-card accounts or loans you may have, the balances, and how regularly you make your payments. Your credit report score also shows if any action has been taken against you because of unpaid bills.

A credit report is simply a record of your credit habits - it shows every time you apply for credit, every time someone makes an inquiry about your credit record, and how you manage your credit.

Your credit report contains a variety of information that lenders use to evaluate you as a credit risk. It includes personal information, such as your name, address, date of birth, and Social Security Number. It also includes previous addresses, current and previous employers, and public records like bankruptcies, liens, or judgments. Most important, your credit report contains your credit card, mortgage and loan payment history.

So, if you have been denied a loan, are getting ready to make a major purchase, or just want to make sure everything is accurate, checking your credit report is a great way to ensure you get the credit and services you deserve.

To receive a copy of your TransUnion or Equifax Credit Report, simply click on the link below and fill out a short form.

As your annual credit report changes with new activity, it's important to check it regularly. Your credit report shows lenders exactly where you stand financially. You can only receive 1 free credit report per year, but checking your credit one-time per year may not be enough to protect you. There is an increase in cases of identity theft occurring in the US, so don't take any chances, be safe and check yours today. Tip of the day for debt advice: What will happen if I get into debt? If you miss the odd credit card or loan repayment, probably not much will happen. There might be a penalty charge and it will get recorded on your credit file.