It is no secret that financial security is a key part of leading a healthy lifestyle. Establishing and maintaining a good credit rating is an essential part of achieving and maintaining financial security. The catch-22 of credit rating is that, to have a good rating, one needs to have taken out loans or other types of credit. All of these financial instruments affect the rating as well, yet there is no way one can build a rating without taking out such financial instruments. The government has recognized this quandary and taken a step to help citizens build their credit ratings.

Every year, the government allows every citizen of the United States to obtain a free credit report. This gives every citizen the opportunity to view their rating as well as information related to any current loans or credit arrangements. This free credit report is an excellent opportunity for individuals to track their credit rating as well as build it up.

By accessing the free credit report, citizens are able to track the development of their rating and resolve any discrepancies quickly. This allows individuals to correct any errors that have been reported to the credit rating agencies as soon as possible, rather than waiting for a dispute to be resolved in the court system. Furthermore, through this report, citizens can