If you’re considering getting a new credit card or taking out a loan, you’ll need to have a high credit score. And to do that, you need to keep your finances in check and pay off bills in a timely fashion.

Here is how you can get a free credit report:

Visit: annualcreditreport.com

Call: 1-877-322-8228

Mail an Annual Credit Report Request form to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281