Your credit reports and credit scores determine whether you can get a home loan, an apartment, a credit card, a cell phone and much more. Yet most people don’t even know their credit scores, or that they have more than one credit report. Considering a 2017 CFPB study found that 76% of the complaints it received from consumers were regarding errors on at least one of their three credit reports, which likely hurt their credit scores, checking your credit reports and scores is essential. You can get your credit scores and see your credit reports by trying out any of our top-rated credit monitoring services, many of which offer free trials or money-back guarantees. In addition, these services give you explanations of what actions are helping or hurting your scores and what you can do to improve them. They’ll also monitor your credit reports and scores daily for any changes and send you an alert through email or text when a change occurs.