3 Reasons to Check Your Credit Reports Before the End of the Year

If you used your credit cards to make purchases online and in stores, there's always the risk that your data got into the wrong hands, and that someone's been making charges and racking up a huge balance in your name. Checking your credit reports, however, will alert you to unusually high balances on your cards. In fact, your credit reports will allow you to see your credit utilization ratio, which is the extent to which you're using your available revolving credit.