Being able to watch and evaluate your credit report is more important than most people think. Not only can you see your credit score before starting your applications, you can also track it along the process. That isn't all, possibly the most important aspect is that many people have debt on their credit report that they aren't aware of.

The first time I ran my credit report I found a couple issues hurting my credit score that I had no idea about, including a late book charge at the local library. It sounds silly, but it can hurt your score and there are more things that get reported than you might realize. I do recommend doing at least a 30 day free trial.