There could be a mistake in it that could cost you money or keep you from getting a mortgage or a car loan.
As many as 42 million Americans have errors in their credit report.
That's according to a report from the Federal Trade Commission.
20 million have significant mistakes.
The Consumer Data Industry Association is hitting back, saying 98-percent of credit reports are accurate.
Just to be sure, it's important to look at your credit report from all three major credit bureaus.