How to Check Your Credit Report Online

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The way you handle money and manage debt provides clues to lenders about your spending habits and ability to pay what you owe them. This is why when you apply for a loan or a credit card, lenders check your credit. They use this information to predict how likely you are to make your payments or default on a loan. You don't have to wait until you try to borrow money to see what's in your credit file. You can request a copy of or check your credit report online.