Question

Have you checked your credit report this year? Without going into specific details, answer as appropriate: If yes, what did you find most interesting about your report? If no, how can you check your credit report for free? What items are you looking for that would adversely affect your credit score?

Answer 1

Yes I have seen my credit report and the most interesting part about it was the credit score. It will be interesting to understand how a score was awarded and what have been the criteria behind it.

In USA, a person is entitled to one free copy of one's credit report every year from each of the three nationwide credit reporting companies. The same can be ordered online from annualcreditreport.com.

My credit report can be adversely affected by foreclosure, bankruptcy, repossession, charge-offs, etc. Defaults on loan repayments also impacts the credit report adversely.