Credit is a vital part of most people’s lives. There are certain times in your life when checking your absolutely free credit report will be more important than at other times. However, everyone should make sure that they check their credit at the very least, once per year. Here are some of those important times when to check your credit.

Buying a new home

A good time to check your credit with credit report bureaus is before you begin the process of buying a new home. If you have spent a great deal of time saving your money and waiting for the right time to buy your first home, you should get your credit report and your credit score from all three credit reporting agencies and make sure that everything is in order. You do not want to be in the middle of the process when you find out that there is something on your credit report that will cause a problem with the sale or cause any credit report disputes. Finding out about inaccuracies on your report before you begin the process will allow you to clear them up and have them removed from your credit report before you even start looking for your first home.

When you are denied credit

Anytime you are denied credit isĀ should I get all 3 scores. If you are denied credit, you are entitled to a free copy of your credit report so that you can determine why you did not receive the credit from your lender. This is a good time to find out if there are inaccuracies that have led to you being denied for credit. Identity theft can occur at any time and it is possible that you were denied credit because of problems on your credit report that are due to an incident of identity theft. Obtaining credit report information is easy and should never be avoided.

If you suspect identity theft

Any time that your credit cards are stolen or when you have found that someone has been using your information in other areas it is a good time for should I get all 3 scores. The damage that can be done to your credit in a short period of time by one case of identity theft can be devastating. It is important that you find it and start the process of having the damaging reports removed from your credit report before your finances are turned upside down.

These are just a few reasons for obtaining your free credit report and score. It is always a good idea to monitor your credit and make sure that it is as accurate as possible.