   Reminder: get a free credit report
  If you live in the United States, you're entitled to a free credit report once every twelve months from the three major credit-reporting agencies. I just got mine and found a few mistakes. Nothing serious that would impact my credit, but the system definitely isn't perfect.You owe it to yourself and your future financial health to request one. It's simple and painless; click here.Note that a credit report (a history of your credit) isn't the same thing as a credit score (a number representing how much of a credit risk you are relative to other people), which you still have to pay to see.   