A good credit score is definitely an asset when you need it most. But unless you regularly monitor your credit status, your credit history can become a liability. Perhaps you have checked your credit file lately? By law you are able to obtain a backup of your credit file free every a year from each one of the three nationwide credit scoring organizations, Equifax, Experian, and TransUnion. The three companies have formed a central agency so as to request a copy from all of them at o... A good credit history can be an asset when you need it most. But if you don't regularly screen your credit status, your credit score may become a liability. Have you checked your credit file lately? By law you are able to obtain a backup of your credit report free every 12 months from each one of the three nationwide credit reporting businesses, Equifax, Experian, and TransUnion. The three companies have produced a central company so that you can request a copy from most of them simultaneously. I