In your personal life or in business, credit is everything. Without it, you can’t get loans. Without loans, you can’t expand. On top of that, your credit score determines at what interest rate you can borrow at. The difference of 1% can mean the difference of saving several thousand dollars over the term of the loan.

On TV you may have seen the commercial for “FreeCreditReport.com”. Well the credit reports at freecreditreport.com are not actually free.

But if you go to https://www.annualcreditreport.com/cra/index.jsp the report IS free. You get one free credit report per year.