Essay --

Credit Rating Check: How to Find Your Credit Score Finding out your credit score is one of the most important steps you can take towards a stronger financial future. It is extremely important for everyone to be well-informed of your credit score so that you can make smart decisions about credit and how to use it to your advantage. Luckily, finding your credit score is incredibly easy and something that everyone should do! The Fair Credit Reporting Act It’s easier than ever to check your credit rating because of the Fair Credit Reporting Act (FCRA). This requires the three main credit bureaus -Equifax, Experian, and TransUnion- to each offer you a credit report once every 12 months. You may choose to order these reports at different times throughout the year, or all at once. How to Order Your Free Reports Although you are entitled to yearly credit checks at no cost, there is still action required on your part. There are three different ways to request a report from each company. Online, you can visit www.annualcreditreport.com or you can call toll-free at 1-877-322-8228. Th...