It is important to know what your creditors think of you. That has to be one of the main reasons why you should get your free online credit report. Knowing what kind of credit score you have can be the difference in obtaining more credit. Although you may think that your credit is in good standing, there may actually be huge mistakes that may not only stop you from getting more credit, it may actually end up canceling some of your credit. By checking your credit report, you can by contacting the credit bureau.