Are you looking for a way to keep track of your credit score? Requesting a free credit report may be a great opportunity to do just that! A credit report includes your credit score, as well as information about your payment history and time spent as a customer with different lenders.

Having a credit report in hand provides insight into your financial habits and could help you make educated decisions regarding credit products and services. Plus, an accurate credit report can show you how lenders view you, putting you in a much better position to negotiate interest rates.

Here are some of the positive benefits of requesting a credit report:

Know what lenders are seeing: A credit report shows you what lenders see when they consider you for credit or a loan. This information is important when you’re trying to secure a new line of credit or close a loan.

Create accurate budget plans: With a clear picture of your debts and available credit in hand, you can more easily create realistic budget plans and financial goals. This can help you stay on top of bills and debt repayment while avoiding overdraws and fees from banks.

Spot mistakes: No one is perfect and errors do occur. Requesting a credit report is a good