Your credit history has a major impact on the rates and terms you'll receive on life's biggest purchases.

Make sure you view your credit report on a regular basis. You are allowed by federal law to view your credit report annually at no charge.

Each of the three major credit reporting agencies – Equifax, Experian and TransUnion– will let you sign up for credit monitoring services that help you keep a close eye on your credit reports and scores.

There are many credit Web sites that will help you get and examine your credit reports and credit scores, and understand creditworthiness.

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