It is important to check your credit history because A. to track your current debt, C. to ensure that the information is correct, and D. to monitor my credit score.
Credit history is a record of how a person handled his or her debt in the past, including the total amount of debt, the number of debt lines, and the repayment period. Lenders look at the potential credit history of a potential customer to decide whether or not to offer a new credit line and to help set loan terms.
You can find your free credit report in the Annual Credit Report. That is the only free place to get your report. You can get it online: at AnnualCreditReport.com, or by phone: at 1-877-322-8228. You get one free report from each credit reporting company every year.
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