Financial self-knowledge is POWER. So get your free annual credit report here.
Even though the report itself is free, getting your credit *score* will cost you, but it’s CHEAP — between $5.95 and $7.95. It’s more than worth it, because it’s your credit history (in that report) *and* that credit score that lenders, HR departments, and even utility companies look at. If you don’t know your credit history and your FICO/Vantage Score, then you are not in control of your financial power. *They* are. PERIOD.
I got mine from all three reporting agencies (TransUnion, Experian, and Equifax) this morning because I’m obsessive/compulsive that way. All three credit reports were free. I coughed up the three fees to see my credit scores, however — paid for with my Amex card so that I can get the Reward Points. 😀 You get your reports and scores instantly, online; I printed mine out for my records.
I have *a lot* of debt, mostly from two sources: a *gigantic* graduate school loan, which I consolidated into a low-APR thingie last year; and the mortgage. But both debts are considered “good” debt — the “bad” being consumer debt, like credit cards — and I have virtually no balances on my two cards. My credit score is way up there, thanks to Creative Debt Management. Theoretically, with my good credit, I can take my Amex card and buy a tiny island, if I wanted to.
But I ain’t gonna. I just don’t make that kind of money to ever pay back that kind of credit card bill! 🙂