Companies should issue an annual report each year. The report is about the financial and non financial condition of the company. This information is needed by many parties to make a decision. One of the examples of the users of this report is the investor. If in one period of time, both financial and non financial information disclosed in the report show good items, the investor will likely to spend more money on that company, and vice versa.

Just like the company, each person also needs to know their credit report. The credit report for personal has different purpose with the credit report issued by companies. For personal purpose this credit report is used to prevent the identity theft. AS mentioned by totallyfreecreditreport.org identity theft is the most common crime in United States. The unauthorized use of your credit card is also one of the kinds of identity theft. If your social security numbers are known by someone else your entire wealth could be danger. They can make loan or buy something that will cause you ended up with paying for all expenses that you never really expensed.

The above mentioned website also can provide you totally free credit report. Credit report can also be used to compute your credit score. Credit score is needed when you want to loan for money in banks, when you have good credit score you will be easy to get loan and vice versa. There are two several types of credit report, one of them is Equifax beacon score. Because the credit report is come from 3 main crediting bureaus in United States, the credit report is called by government free credit report. To have three reports is important because you can compare between those three reports and find difference on each report to disclose fraud and maybe identity theft.