You've pulled one of your credit reports. Now what?

As you've probably heard by now, you're entitled to free copies of your credit reports. Federal law gives you the right to request your three credit reports, one from each of the three major credit reporting agencies, every year through AnnualCreditReport.com.

You can get them all at once or throughout the year. Personal finance gurus often recommend pulling one report every four months so you're regularly tracking your records. Either way, checking your credit reports is a smart move when you consider that information from your credit report determines your credit score.

But once you get that report, what do you do with it?

How about giving it the six-minute treatment? While you definitely want to read the full report in detail, a quick check on a handful of indicators can give you an instant appraisal of how good --or bad -- your credit is right now.

Here are six markers that can provide an X-ray of your credit health.