The answer to the above question is yes.
You definitely should obtain a copy of your credit report.
If you're asking why, let's talk about some important points about your credit.
What is in your credit report? Your credit report contains significant information about your accounts and finances.
In it, you can find your employment history, your salary history, your past and present credit with all your creditors and other legal information.
Also included are your complete name, Social Security Number, date of birth, driver's license number, your past and current home address, telephone number and other personal details.
All transactions that you have with lending companies, credit card companies, insurance companies and other financial institutions are all reflected on your credit report.
How much you owe a certain creditor is listed in detail.
Also, whether you're paying your bills on time or not can be traced by looking at your report.
Who Checks On Your Credit Report? You may now have an idea why it is important for you to obtain a copy of your personal credit history.
Landlord, potential employers, insurance companies, government agencies, lending companies, credit card companies - all these organizations check your background and reputation.
A single false information or an incorrect transaction in your report can damage your credit worthiness.
You can get denied by potential employers just because your credit history seems bad.
Lenders can refuse your applications on account that you have bad rating.
Thus, it is your responsibility to check and ensure that there isn't any false information or derogatory records that can affect your reputation.
Check Your Credit Report You have the right to know if all the information contained in your report are true and accurate.
As a consumer, you have the right to dispute information which you think are false, erroneous or fraudulent.
The Federal Fair Credit Reporting Act protects consumers from such inaccuracy or possible fraudulent accounts contained in their credit report.
In fact, if a credit reporting agency or a credit bureau refuses to give you the appropriate service you need, you may also file a complaint to The Federal Trade Commission.