Here’s an Easier Way To Monitor Your Credit History

You’ve probably already seen commercials or advertisements on the Internet for free credit monitoring services such as Credit Karma. The service provides you with monthly updates, but will also alert you if it detects any suspicious activity. A similar service is Credit Sesame. This service also offers identity theft insurance.

It should be noted that while these services are free, they are somewhat limited in scope, as they only track credit reports from TransUnion, and not the other two major credit reporting bureaus.

If you are more concerned about your credit, you can opt for a premium service that provides more comprehensive monitoring services. LifeLock is a popular choice, and the service offers various levels of service you can choose from to suit your needs and your budget. The credit reporting bureau TransUnion, and the service myFICO also offers a similar service that tracks credit reports from all three bureaus.

Many of the best credit repair companies, like Sky Blue Credit Repair or Credit Saint, also offer credit report monitoring while also helping you fix your credit score.

By law, you are allowed to get a free credit report once per year from each major credit reporting bureau. You can contact each agency on your own, or you can utilize AnnualCreditReport.com to make it easier to obtain the credit reports. Review and compare these reports to ensure everything is correct and that there is no suspicious or incorrect information on there, such as credit checks you don’t recognize.

Using a combination of the above services is a great way to minimize the risk of fraudulent activity and identity theft and catch any suspicious activity early.