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Do I really need credit monitoring? YES! You should not be without it!Credit monitoring is one of the most powerful tools you should have in your corner! This is one area where you have total control and are the first to see what exactly is in your credit report, who is looking at it, what they want, who they are representing and if there are mistakes and errors. You can look into your credit report as much as you want from your credit monitoring service. If you see ANY errors or information in your credit report that you do not recognise, like an accouint you did not open, DO NOT WAIT! Contact the three credit reporing agencies and initiate a fraud alert on your credit report immediately and challenge the incorrect item and get it removed as soon as possible! Will looking into my credit report often make my credit score go down even if it's me looking at it? Great question! The answer is no! You are free to look at your own credit treport as often as you want and this does not affect your score at all! This is what is known as a soft inquiry and the credit bureaus cannot penalise you for this as a matter of federal law called the Fair Credit Reporting Act or FCRA. This is the link for Experian credit watch 3 in 1 credit monitoring service! This service is extremely affordable and Equifax gives you your credit reports from ALL 3 credit report services, Equifax, Experian and TransUnion! It is well worth it and I subscribe to my credit reports from here myself. All the benefits or repairing your credit yourself start with a service like this and you should not be without it! As a new mwmber, there is another benefit you should be aware of. Your credit reports for your family members and loved ones are also included for you to review as well as part of your membership! Did you know that children are the fastest growing list of identity theft victims? That's because most people never think to check their childrens credit reports! Your children have a credit rating too even if they are not old enough to work or get a credit card! Let's move on to the next page of credit monitoring by clicking here.
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