My Boring Credit Report

I pulled my credit report a couple of weeks ago to check for fraudulent activity. After going to the US government's website http://www.annualcreditreport.com, I was then transferred to one of the three credit reporting agencies and downloaded my report. Turns out that it's pretty boring. The only active item is my mortgage, and that is reported as 'Open/Never late'. Perfect. The rest of the items have a closed status, and dates when they will eventually be removed from the report. As time goes on and past mistakes (e.g. borrowing money) drop off, my credit report could shrink to the point where there is more legalese and information about the reporting agency on the report than there is about my credit history.

I'll continue to request my report about once a year to find out who is requesting my report and make sure someone else hasn't borrowed money in my name.