Most people never even consider their credit score until they need it. And unfortunately at that point it is usually too late.
Too late if you want to get that auto loan.
Too late if you want to get that mortgage and house.
(well, maybe not for the house in this current real estate market but definitely in a normal market someone else who could get a mortgage would swoop in and steal it away!)
But people with a high credit score typically enjoy lower rates and better terms whenever they need to borrow money.
To have that peace of mind, wouldn?t it be worth it to monitor your credit report and know exactly what is on it?
You can get your free credit report one time each year from annualcreditreport.com