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  • Hmm... I wonder what my credit report is.
  • What are you doing?
  • I’m checking my credit report, you should do it too.
  • Uh, I'm good I heard if you check it, then your score will go down.
  • I heard that too but if you use AnnualCreditReport.com you can check it.
  • How will that make a difference?
  • If you use that you can check your report for free every 12 months, and it won't hurt you.
  • Really?
  • Yeah, you can check each of the major credit bureaus such as Experian, Equifax, and TransUnion.
  • Maybe I will try it then.
  • Yeah, you can try it after I'm done.
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