There are lots of commericals on TV advertising free credit reports and credit monitoring services. Check the fine print. Those services aren't free and they dont give you anything that you cant get yourself. By law credit reporting agencies are required to give you a copy of your credit every 12 months for free.  Go directly to the source for your credit report.  Annualcreditreport.com is the service managed by the 3 main credit reporting companies Experian, Equifax and Trans Union. It is important to keep an eye on your credit. There is more and more fraud out in the world these days. What you dont know could hurt you. Not only that but lenders have tightened up their lending guidelines. More than ever bad credit can hurt you. go to https://www.annualcreditreport.com/cra/index.jsp for more information. If you have questions about yor credit you can always give our loan department a call too.