Why do I need to request my credit report annually?

Requesting your credit report annually is crucial for several reasons. First and foremost, it helps you monitor your financial health and stay aware of any changes or discrepancies. Regularly reviewing your credit report enables you to identify and correct any errors, potentially saving you from adverse effects on your creditworthiness. Additionally, reviewing your credit report annually allows you to detect any fraudulent activity, such as unauthorized accounts or identity theft, and take immediate action to protect yourself. By staying on top of your credit report, you can ensure that your personal and financial information is accurate and up to date, providing peace of mind and empowering you to make informed financial decisions. With the ease and availability of the Annual Free Credit Report service, accessing your credit report annually is a smart and responsible practice.