It is really amazing to me how much credit reports can change your life. If you don't have good credit, it can actually make things cost more such as mortgage payments, care payments,electric company deposits, cell contracts, insurance premiums and the list just goes on and on. Heck, sometimes you can't even get a job if they pull a credit report as part of the hiring process. It is always best to know what is on your report, so that you know everything that is on it, belongs on it. It also makes it a lot easier to be able to fix any blemishes that you may have.