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Your credit report is a complete history of your credit and your credit payments. The credit bureau will have a credit report on you, if your have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit report contains information about your income, debts, credit payment history and anyone who has requested a copy of your credit bureau. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

It's vitally important to periodically check your credit report. Your report tells you whether there are inaccuracies that need to be corrected, it alerts you to any attempts of identity fraud and it indicates whether you can get credit at low rates.

We all know we should check our credit card statements every month for charges that we haven't made. Scan for signs of possible fraud with your free credit report. You can get your credit reports from one of the three leading credit bureaus.