A good credit report is a valuable asset to have.  You should get your credit report every year and examine it closely for any errors or outdated items. You can receive your report quickly and easily online at one or all three of the reporting institutions and request the information. 

Any time you ask for a loan for any purpose the lender will look up your credit history for their benefit.  If you are slow at paying, have filed bankruptcy, or are over extended with credit, they may decline your request for a loan.  Or they may issue you the loan but at a higher than average rate of interest.

You can get your free credit report by going to the following web site:  annualcreditreport.com and follow the links to the three credit reporting companies.  Or if you’d rather, you may call the toll free number, 1-877-322-8228.