I am often asked why do I care so much about Credit Reports? Do I eat breath and sleep credit reports? No not really I do have other things I enjoy outside of credit reports and scores.

I would guess the main draw for me is educating consumers on a often misunderstood topic.  I never knew what a credit report was until my mid twenties when I went to buy a car.   I knew you need a good credit score, but even that was a mystery to me.  After that first car buying experience I decided I should learn a little more about the industry and how it all works.

So thats how this little project came about, to help educate people on credit reports and scores.

After working for years in the industry I would say the most important thing you can do as a consumer is to pay your bills on time. Late pays really effect your credit sore, and stay on your report for along time. The next big thing is to not fall into the habit of applying for credit often. This puts a hard inquiry on your credit report, which will hurt your credit score.

Credit worthiness is an awesome tool that regardless of income, social standing, race, sex all consumers can achive, and with that can meet and exceed all kinds of goals. Whether that is to own a home, a car, or multiple homes.

So I guess that is the main reason I care, is to help inform others like myself on ways to improve their credit scores, and to use that credit.

I am also a firm believer in credit monitoring service like the one I have above in the banner. It will give you 24/7 access to all three of your credit reports, and your credit scores. It will also help protect against ID theft, and give you updates as soon as a change happens on your credit report.

Please take the time to go around this site, there is tons of information from credit reports, credit scores, Identity Theft, and many more.