It is very important to know which is your credit score. Why? Only like that you can be sure what chances you may have to obtain a loan or a credit card. Beside that there are other things you can avoid if you request for periodical reports related to your credit scores, such as mistakes. There are many things which can happen including small mistakes which can affect your credit scores and not in your favor. This is why as long you find out sooner about them better it is. You can get in contact with the credit bureau and solve this situation so you won’t encounter any problem when you intend to make another loan. What you should always remember is that these reports can be obtained for free and it’s legal this way. In the past you had to pay for this service but today the US government understood that you have all the rights to know your credit history before others do. Beside that there were many mistakes and frauds which can be discovered much easier by the client than by a credit bureau employee. You should stay away from frauds and scams and you should request for your credit score record at least once per year, but for your safety you can ask it from three to three months. Like that you can discover any small issue and solve it in time.