Understanding your credit report is vital for maintaining a healthy credit score and managing your financial future effectively. Regular checks, timely payments, and proactive management of your credit accounts can help you maintain a positive credit profile.

While borrowing from a company retirement plan offers a viable solution for short-term financial needs, it's critical to weigh the immediate benefits against potential long-term impacts on your retirement savings. 

This year, take the first step toward financial freedom by committing to a debt-free lifestyle—your future self will thank you!