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There is truth to the claim that you can’t believe everything you see and hear on the television. There is particular truth in the claim that you can’t believe everything you see and hear in commercials. More than a few advertising campaigns have been little more than cleverly phrased attempts to sell you miracle solutions to problems you probably do not have; everything from deodorants to make you more attractive to women to motor oils that are guaranteed to double your cars miles per gallon. With all of the magic products and unreal services floating out there it can become difficult to know what you can believe, what things really are essential, and what is smoke, mirrors, and vanity.

In the advertising circus of television there is one thing that is often repeated that should not be ignored: knowing your credit score. The reason why knowing your credit score is repeated so often is not because it is a fad or because it is fashionable it is because it really is critically important to get your credit score and get your credit report as soon as possible. It is your responsibility to know who is viewing your information, who is changing your information, who is reporting negative information about you, and who holds a collection or open account against you. A huge part of being a responsible and successful adult is taking control of your future, not hiding from the facts.

What’s more is that whether you know what information is in your report or not, that information will be used against you. 90% of transactions that will consider your credit score will only do so to penalize you, not reward you. The majority of transactions involving credit score scrutiny are looking for reasons to charge you more money, give you less lenient terms, charge you more interest, and generally wring more money out of you sooner. A negative credit report will not end your life, but you will be surprised at just how limiting and damaging it can be. The longer you go without investigating the more damaging the information can become.

Stop waiting. Find out what the financial world is saying about you today. Get your FREE credit report and score from CreditReport.com

-Austin Orr