While we are all familiar with the Equifax data breach, many people are not aware of the many ways our credit reports are used and our rights in regard to our credit reports.  Here is a link to an article I wrote for the Saturday Evening Post that tells you what you need to know about your credit reports.
http://www.saturdayeveningpost.com/2017/10/25/finance-2/con-watch-credit-report-important.html