As a consumer, you have a right to view your credit report from each of the three credit reporting agencies (Experian, TransUnion and Equifax) each year. Visit annualcreditreport.com to request the free report. You will have to pay to receive your credit score. It is important to review your report to verify that the credit information reported is accurate. Your credit report can affect your ability to finance items like houses and cars, and it can even affect your potential employment or your insurance rates. For more information on requesting the report, along with instructions for what you can do if you find errors, visit the Federal Trade Commission website.