Know before you owe.

Your credit report says a lot about you. Every credit account, every loan, every financial relationship you've ever had is reflected in your credit report. And every new financial relationship you want to get into — whether it's applying for a new mortgage or a credit card — will hinge upon your credit rating. The better your credit history, the better your chances of getting the credit you want.

Your credit report is also your best defense against identity theft. So it's wise to run your own credit report every year. It's one way to know if there are any financial errors in your name. More important, you'll know if anyone is trying to get credit at your expense.

Get your credit report online