The below site is where you can get your annual ” Free Credit Reports”.  This is not a  link site to pay for your reports but the official site.  It is better to know before you need credit to see what these companies say about you.  This is true whether you need a short term loan, or   home purchase.   The report can affect your interest rates.

We will be adding PayPal’s ” Bill Me Later” service in the near future and this may give you a heads up on what the three major credit bureaus have in your file.

Best regards,