Why Monitor your Credit Report?

Why Monitor your Credit Report?
by: Bernz Jayma P.



The number of identity scams these days is very alarming. If you watch
the news, there isn’t a day that you don’t hear reports about identities
being stolen. What is more disturbing is the fact that many techniques
are used to steal your personal information. Some criminals go as far as
stealing a laptop that stores hundreds of personal records. Meanwhile,
there are also those who hack the database of larger organizations.
Unfortunately, anyone can be a victim of identity theft including you.
But probably the most unfortunate part is that it is highly unlikely for
you to discover the crime immediately. Most people only find out they are
victim months after the crime happened.

One way to protect yourself from being a victim of this 21st century
crime is to monitor your credit report regularly and check all the
information it contains. In the United States, there are three major
credit bureaus that provide you with a free credit report every year. It
is better to spend some time checking all three reports. Take note that
there are cases when important information show up in one report but not
on the other.

If you think that these measures are too time-consuming, it is possible
to eliminate these hassles. You can hire a credit report agency to do the
job for you. Getting a credit monitoring service isn’t complicated at
all. For an agreed upon fee, the credit report agency will check your
credit and if something negative appears on it, the agency will help you
find out which activity caused that negative rating. The agency will
immediately notify you in case something suspicious occurs on your report
and you can dispute it right away. Remember, the longer that negative
activity stays in your report, the more ‘real’ it appears in front of the
law.

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About The Author
Author and entrepreneur Bernz Jayma P. is the owner of an identity theft
blog , Learn up -to-date information on how you can stop and prevent
identity theft by visiting http://www.IdentityTheftProtection.org.