Credit plays a huge role in your overall financial health. Your credit determines not only whether you’ll get approved for a loan, but also your interest rate, down payments, and more. Credit reports are even used by landlords and employers—which means bad credit can keep you from getting a job or an apartment. Because credit is such a big part of your financial well-being, it’s important to make sure that your credit information is accurate. Here’s how to access your credit reports, understand what’s in them, and correct mistakes.