A crucial step: check your credit report accuracy before applying for any type of loan, mortgage, or credit card

At some point, you will apply for some type of credit - perhaps a credit card, mortgage, auto loan or business loan. But before you do, it is essential that you get a copy of your credit report from the three major bureaus. Knowing your credit score and checking for inaccuracies is absolutely essential.

Let's face it, mistakes happen. Surveys report that as many as one person in five find a mistake on their credit report. Usually, the mistakes are easily removed by notifying the credit bureau and the reporting company. But, what if you didn't know the error existed before applying for credit? That could be the difference between getting approved or declined.

Another item to be concerned with is identity fraud. The Federal Trade Commission reports that identity theft is the number one reported issue by consumers. You can prevent yourself from being a victim by checking your credit report.

A number of companies also offer to alert you if your report has changed. This will also help in preventing identity theft. If someone other than yourself attempts to get credit under your name, that application will hit the credit report, and you will be alerted. There a monthly fee for this service, usually less than ten bucks. That is money well spent to avoid the hassle and liability of someone abusing your good credit.

So, whether you are preparing to apply for credit or simply want to keep an eye on your credit score, you need to check your credit report often. Sign up for an alert service to protect yourself.

Save time and money by checking your credit on the internet. Any alert service you join can notify you via email on a weekly basis - even if there is no change on your report. What a secure feeling to know they are watching out for you!

We have provided a few reputable and affordable companies below that can help you check your credit report online. Know your score, keep an eye on your report entries, and you will be more confident the next time you need to apply for credit of any kind.

Visit our preferred credit report partners listed below.

Equifax 3-in-1 Credit Report
This comprehensive credit report contains credit information you need from all three of the major credit reporting agencies combined in a single report.

Free Credit Report & Score from Experian
Unlimited access to and constant monitoring of your credit report, to alert you of potential fraudulent activity, interactive score simulator. Secure, online access.

More Report Choices
FOUR different credit report options -- all online. You choose what is right for you!

Your Credit Report
The FTC advises monitoring your credit report activity on all 3 bureaus. Find out what's in your credit report today - so it's 100% accurate tomorrow. Order your 3-BUREAU REPORT and view results online.