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Check Your Annual Credit Report

A quick reminder regarding the importance of your credit report – your credit rating can affect qualifying for a loan and the interest rate and terms you will be offered; and, a negative report can be cause for higher interest rates and even the rejection of an application for credit. Credit reporting companies are allowed to charge a fee for providing credit scores. Beware of “impostor websites”. You are entitled to a free credit report every 12 months from each of the three credit bureaus through . AnnualCreditReport.com Various factors affecting your score are: payment history, balances, length of credit history, new credit, types of credit. Errors in your credit report can also negativel