If you haven't looked at it in awhile, now's the time! For one there are so many errors out there, you don't want to suffer when you decide you need your credit just because you weren't paying attention to who and what has been reported.
Don't hide under a rock, know what's on there and work on it piece by piece. Look at your credit report like you would a maintenance checklist on your car. Don't get emotional or take it personal just deal with it. The first step is reading it and checking for errors. Then decide a plan of attack for derogatory line items. Decide which ones you can set short term and long term goals to address.
It's FREE once a year and should be a part of your yearly goal planning. Pay the few extra bucks to get your FICO score.
www.AnnualCreditReport.com
Dill
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