I recommend that every person check his / her credit report on an annual basis.


This is a free service offered by the 3 major U.S. credit reporting companies – Equifax, Experian and TransUnion.


To request a copy of your personal credit report from any or all of these companies, go to www.AnnualCreditReport.com or call 877-322-8228.


This is an excellent way to make sure that there are no errors on your credit report and to guard against identity theft issues.


Your personal credit is a valuable tool.


You need to monitor and protect it.