Everyone from financial institutions to employers are using your credit report to decide if they are going to do business with you or hire you. There has never been a time in history when having a good credit report has been more important than now. Unfortunately, many people are unaware of issues on their credit report until after they have been denied employment or credit.

Taking a proactive approach to monitoring your credit is critical to creating and maintaining a good credit profile and score. You need to know what is on your credit report, what it says about you and whether it is accurate or not.