Credit, whether good or bad, can affect everything these days, from buying a car or a home to getting better insurance rates, but many people still have no idea what's on their credit reports. The truth is, having a solid credit history can go a long way in saving you money over time, even if you don't plan to make a big purchase or apply for a credit card. The good news is, checking your own credit report doesn't affect your credit score and doesn't need to cost you anything. Everyone is entitled to one free credit report per year from each of the three major credit bureaus, and there are several sites online that will monitor your credit for free. The top three sites are CreditSesame.com, CreditKarma.com and Quizzle.com. While the credit scores given by these free credit report and monitoring sites aren't always accurate, the information on your credit report usually is, so you can catch fraud and other issues before they become problematic. If you're interested in checking your credit report for free, keep reading to learn more.