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There is no obligation, no commitment and the Report is yours
to keep! It's always a good idea to receive a credit check every
six months. You should think of it as a resume showing how well
you have paid your bills and used financial tools such as credit
cards and checks. A Free Credit
Check tells you if your identity is secure and if anyone is
committing credit theft against you.
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Why Get a Credit Report?
A study by the US Public Interest Research Group found that:
70% of credit reports contained mistakes or errors
of some kind!
41% of the credit reports contained personal identifying
information that was long-outdated, belonged to someone else, was
misspelled or was otherwise incorrect!
29% of the credit reports contained serious errors
that could be used to deny credit!
26% of the credit reports contained credit accounts
that were closed by the consumer but listed as open!
Source: U.S. PIRG, Mistakes Do Happen, MAR 1999
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