While the best way to proceed through this guide requires that you have seen a recent copy of your credit reports from all three credit agencies, you might proceed if you have seen copies that might be a bit over 30 days old. Some people, particularly those with good or excelent credit may not think they need to pay as close attention to the suggestions here, but be assured everyone should read their reports every now and then. In these days of identity theft and fraud reviewing your own credit reports for accuracy becomes even more important. With free annual reports available online (really free reports, not the ones that require subscrictions to additional services) people have no reason not to verify their own credit report.

The program will bring you back to the first question. To see your credit report select that you have not seen a recent copy of your credit report. If you insist on proceeding select your credit even though you have not actually seen a copy of a credit report in the last 30 days.