You have probably seen the commercials on TV about getting your free annual credit report.

They do a good job of explaining the reasons you should check your credit report. My favorite is the guy buying a car with three guys behind him. Two of them are tall and smiling. The third guy is wearing a hockey mask.

The hockey mask guy has a very low number on his shirt while the other two are good scores. Making sure you have all the information in your report up to date...