A person can be a free copy of his credit report from each of the three national credit years from www.annualcreditreports.com. This means that you should check your credit report from each of the credit bureaus at least once a year. You can get a free copy of each of your credit reports once in 12 months. Checking your credit report can alert you to identity theft and also to any errors that are present on your credit report. Checking your credit report is important because a lot of lending decisions as well as other decisions such as housing rental and employment may depend on the information present on your credit report.
It is always a good idea to check your credit report well in advance before making an application for a major form of credit so that you have the time to fix errors and repair your credit data present on the credit report.