If you’re thinking about kicking back and relaxing with a good read, chances are your credit report isn’t the first reading material that comes to mind. However, your credit report is a document that you should be checking regularly – approximately once every quarter. So, now’s the time.

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.

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