The importance of good credit should not be underestimated. Information in our credit reports and our credit score can affect everything from how much we pay in insurance premiums to the interest rate we receive on loans.

To ensure that the information in your credit report is accurate and also to guard against Identity Theft take advantage of free credit reports. Colorado consumers are entitled to one free credit report from each credit bureau in a 12 month period.

AnnualCreditReport.com is the official site to help consumers obtain their free credit reports. This central site allows you to obtain a copy of your credit report from each of the three major credit bureaus.

You can also contact AnnualCreditReport.com by calling 1-877-322-8228.

Caution: Other sites may offer a “free” report and credit score but you may find yourself signing up for a credit monitor service that will charge you a monthly fee after the first 30 days of your “trial period” are over. Please exercise caution and ask yourself “why do I have to enter a credit card number if the service is free?”