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Credit history and why it is important to you Credit history and credit reports are key parts of your financial life. To make sure you get the best rates you need to monitor your credit score. To make it easy for you FTC requested 3 credit report agencies to provide you credit report free of charge once a year. Here you can learn how to get free credit report government in several easy steps. Credit score is a key number which is based on statistical analysis of a person credit history and which represents creditworthiness of a person.