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Many people now use a monthly credit report to actively manage their credit rating. This allows control over any incorrect information recorded, identity theft or other issues which could curtail future plans.

However, if you simply want a snap shot of your credit report then you can do this too. It will be an eye opener to see just how much information in held about your current and past credit agreements.

If you know in advance what's on your credit report you are then in a position to pro-actively manage this to ensure you achieve the best terms on your next credit, whether it be a mobile phone, mortgage, loan or credit card.