The credit scores are very important when you want to obtain a loan, a refinance or a credit card. Why it is so important? According with the credit score you will be considered a trustworthy client or not. What this credit score may contain? It contain personal data about you, such as address, incomes, banks you may be in contact with, credit situations and many other things as well. When you own a bad credit you may not be able to get the loan you wanted so much. How can you end up with a bad credit? In case you don’t make your payments in time, or you don’t pay your rates at all, in case you used fake identities and many other things similar with those may bring you in the situation to own such a bad credit record. This is why, it is very important to request and receive periodical credit score reports. The main thing you should know is that you must receive all these personal data about you, for free. There are many scams all over the Internet, which may promise you all these facilities for free, and at the end you end up paying much more than it worth. Or the worse thing is when they get your personal data and use them for other purposes. You must stay away from these kind of phantom sites and appeal only to trustworthy ones such as Trans Union, Experian or Equifax, which are the main three governmental credit bureaus.