You can get your own credit report from each of the three credit reporting agencies once per year.  Professionals recommend you get one at a time, rotating the agencies, so you are checking your report every 4 months for accuracy.  Go to for your free report.

The FICO score is not included in your free report.  You can expect a charge of up to $50 for the FICO score, which is the three digit number that is used to judge your credit worthiness.  

Credit scores are often used to evaluate the risk of doing business with you in the areas of purchases, housing, employment and insurance.  

If you are an entrepreneur, consider getting credit in the name of your company. 

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