Credit Report

Your credit report is your financial report card. It breaks down your payment history into nitty gritty detail—every successful or missed credit card and loan payment—and then spits out an actual grade: your credit score. Lenders and landlords (some- times even employers!) use this report to gauge how financially responsible you are. You can check yours for free once per year at annualcreditreport.com. (See also: Credit Score)

This new year, get out of debt and become financially free

I'll teach you my 3 simple, life-changing habits to get control of your money!