You are entitled to a free credit report - so says the U.S. government. Acquiring your credit report is not hard whatsoever. In fact, the U.S. government has its own website designed for consumers to get a single annual credit report each and every year. And it's free.
Why do you need a credit report? You will need a credit report if you want to buy a car, buy a house, get a loan, or open a business. These days you can't do anything or go anywhere without needing a credit report.
Obtaining your credit report - even when you don't need it - has its advantages. First, maintaining good, if not great, credit is something you should be proactive about. Rather than reacting to a bad score why don't you work on maintaining a solid score? That way, the next time you truly need credit you won't have any roadblocks.
Second, and maybe most important of all, obtaining your personal credit report on a regular basis can help protect you from the damage that can be done by stolen identity. It may not prevent it entirely but you can sleep easier knowing that your credit report is clean.
Lastly, credit is not a bad thing. In fact, having credit available to you can open the doors to many opportunities that you may not know about. It can also block you from pursing many opportunities. Far too often I hear about people waiting until they desperately need credit before they obtain their credit report - bad idea. Especially when they thought that having no credit cards and no debt meant they would have a stellar credit score - wrong. Banks and businesses like to loan to people that have a record of having previous loans and having made payments on time.
So, get your credit report today! You'll thank us for it later!