Check Your Credit Score

Today, our credit score is more precious to us than ever. Banks are getting stricter with their loan policies, and many of us are pinching pennies. While I don't think we have experienced the Great Depression like our great-great grandparents experienced in the 1920's...we have come awfully close. 


Checking your credit at least once a year is also important with the rising problems of identity theft. Identity theft can happen to anyone at any time. Every year, you are allowed to check your credit report. Some companies will even give you your free credit score.


I myself am a victim of identity theft. I was in my early 20's trying to get a loan to pay off my braces. It was great that my loan officer knew my family personally and had known that we hadn't lived anywhere else but Illinois. There were debts owed to utility companies in Texas and a few other places. It was hectic trying to get those removed from my credit report. I had to mail letters showing proof of where I lived and my identity. 


If you are interested in more about your credit report, you should file to receive your FreeScore.  Finding out where you stand with your credit is very important -Not to mention-making sure nobody has stolen your identity.