How much do you know about your credit? If you haven't checked your credit report or score lately, it may be time to give them a look, especially if you have a major purchase or life change on the horizon. A bad credit report or score could mean you face higher interest rates—or cost you a loan, a job, or an apartment—so it's important to understand what's in your credit report and how to improve your score. Reviewing your credit information is also a good way to identify sig