Did you know that the Fair Credit Reporting Act requires each of the three major credit reporting agencies to provide you a copy of your credit report free of charge?All you need to do is go here and fill out the application form.

Having a copy of your credit report will let you work on possibl errors and problems in your credit history. This will help you raise your credit score. With a better credit score you'll enjoy the benefits of a lower interest rate on your personal loan.

Here's something you may not know. You do not have to pay anything to get a copy of your credit report. The report will not come with your numeric credit score. You'll have to pay a small extra fee to get the actual number.