Do you know how to read your credit report?
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Don’t let profile changes or new identity theft scams catch you off guard!

Your credit report basically serves two very important purposes. First, it provides a comprehensive look at your life as a borrower. It shows payment history, account statuses and even public records that are relevant to your financial life. Creditors and lenders base approvals on what your profile says. The secondary purpose of your report is that it allows you to look at your own history. An annual review is an essential step in catching identity theft. If someone opens an account in your name, you will see it on your credit report. So, it’s often you main line of defense against things like social security ID theft. The articles below help you understand what your credit report says and how to use it to your advantage. You can also scroll down to the bottom of the page to find more tips on how to use your credit report effectively.