The first time you review your credit history, you may be confused by the credit report code that is used. Some things may appear to be self-explanatory, but others may require a little know-how on your part. Each of the three major credit reporting agencies provide sample credit reports with explanations for you to review and examine before requesting your own free credit report. Take some time to review the sample to better understand your own credit report. The law gives you many rights, including the ability to receive a free credit report annually, but it won’t do you any good if you don’t understand what it all means. When you can interpret the report, it makes it easier to find errors that you may need to get fixed.

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