Quote:
Originally Posted by Yorkieluv  My other recommendation is to get a credit monitoring service like with www.truecredit.com which is done by TransUnion.
You can get a 3-in-1 report every single month for $14.95 per month. With a credit monitoring service like this that you pay for monthly through direct debit from your bank account, it does not put a "hit" on your credit at all like someone else pulling your credit.
You can keep track of your credit scores and anything that comes on your credit.
You wouldn't believe the things that go on there. Twice, I've had to have things removed that weren't mine.
Once, there was a $15,000 car loan on there, and I have never had a car loan!!
Another time, they had some insurance thing on there from a company that I've never had.
Once I got those two things removed, my credit score shot up!! |
I agree, it's always good to check your report at LEAST once a year. Identity theft can really mess up your credit.
Also...
Everyone gets one free credit report disclosure every year thanks to the Fair Credit Reporting Act.
https://www.annualcreditreport.com/cra/index.jsp
It costs extra to ask for your score though.