Your Credit Report

If you haven't done so recently, you should get a copy of your credit report to make sure that you know exactly how much you owe and to whom. The issue of identity theft aside, you should check to make sure the report is complete and accurate. I recently got a copy of my free annual credit report, only to discover that the Radio Shack credit card that I thought was paid off was in fact charged off as bad debt. I am afraid to know how this has impacted my credit score, but at least now I know whom to track down to get it taken care of. There are two ways to go about getting your credit report. You can click over to Annualcreditreport.com to get your free annual credit report. Or for the more cautious-minded readers out there who are worried about identity theft, you can click on the banner inside this post above to sign up for Equifax's premium credit report monitoring service. Whichever way you go, it's your credit score so don't lose track of it!