Q: Why is checking my credit report so important?
A: Short answer – it gives you a good idea of what your financial picture looks like. Your credit report contains details about your current loans and credit cards, balances, and payment history. Looking over it could inspire you to take some positive financial steps in the upcoming year. Your credit report might also help you spot fraud early. Imagine you notice an open credit card on your report that you don't recognize. It could simply be a mistake, since credit report errors are pretty common. But it could also point to fraud. Yeah, that's the sort of thing you want to know about.

Q: Why check my credit report early in 2022?
A: Normally, you're entitled to one free copy of your credit report each year from each of the three major reporting bureaus -- Equifax, Experian, and TransUnion. But right now, credit reports are available for free on a weekly basis through April due to high levels of fraud that have emerged during the pandemic. Checking your credit report early in 2022 can really pay off if you spot an error or fraud; you'll have plenty of opportunities to keep pulling your report at no cost to follow up. Free weekly credit reports could get extended beyond April, but there's no guarantee that will happen. You're better off taking advantage of those free weekly reports while they’re available.

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