<human>: How do I know if I have a bad credit rating?
<bot>: You can check your credit score by requesting a free copy of your credit report from one of the three major credit reporting bureaus (Experian, Equifax and TransUnion). Once you receive it, you can look for signs that your credit rating may be poor. These signs include having too many recent inquiries on your credit report, a high utilization rate or debt-to-credit ratio, or a low credit score.