Do you ever plan to buy a house? Finance a car? If so, you better have a good credit or you might not get a good deal. It seems like credit reports are getting more important. I even heard that some car-insurance companies will be accepting customers based on a credit report. The list goes on and on. Simply put, you need to have a good credit report and you need to verify that fairly often — once every year or so. That costs money, no? Sure it does, but things are changing. There is a new law in place…