It is always a good idea to be aware of what exactly is on your credit report and what your credit score is
. There are several credit bureaus that offer a free credit report online to anyone who wants one. These reports are okay if your credit history has always been good. If your history has been questionable then it is really best to join a credit service that provides you with this information and more for a small monthly fee (usually less than $15.00 a month). Paula de la Torre Editor of the "Best Credit Reporting Services" website -- http://www.CreditReportsAndScores.biz/ -- pointed out; If you find yourself in debt settlement or debt consolidation or even if you just have some credit cards that are a little over due it pays to join one of the paid credit report services These services not only give you access to your credit report as often as you want (even daily), they also tell you you are all important credit score. This is very important if you want to get a loan or credit for anything. The people with the highest scores get the lowest interest rates. The paid services allow you to access your credit report as often as you want without it showing up on your report as an inquiry. Inquires are also something that lenders do not like to see too many of on your credit report P. de la Torre added. These paid services also give you the all-important service of notifying you if anything changes on your credit report almost as soon as it happens. This is important because sometimes, let us face it mistakes are made and things get reported wrong. With one of these services you get to keep close tabs on your account so you can fix anything amiss immediately. Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.CreditReportsAndScores.biz