Take a moment to get your free credit check. Why? Two words are everywhere in the news right now:
"credit crunch"

That means banks and credit card companies are going to get tougher about lending. They will only lend to the people with the best credit scores.

You have the right to get free copies of your credit report showing all your financial transactions. That's what the banks use to calculate your credit score. If there are any mistakes, your score will be wrong and the banks will deny you (more) credit.

Higher scores mean lower interest rates on new loans.