Check my Credit Report - How often should I?

Check my Credit Report - How often should I?
Checking your free credit score report is probably one of
the hottest topics these days. With the average American
not being rich, and at times in need of a loan, they need
to keep there credit score healthy. There will be
situations where someone will need to pull your credit
report. If you have bad credit, it may not be a good
experience for you. There is lots of talk about
annualcreditreport, but there is not much talk about not
getting your credit score there. Annualcreditreport does
provide you with a free credit report from all 3 credit
bureaus, but you don't get your scores. You can get this
report once a year for free. A lot can happen to your
credit report during a year's time. Here are some examples.

Inaccurate credit report

Studies show that inaccuracies are common in credit reports
and can harm your ability to get loans. Inaccurate
information on your credit will cause harm to your credit
rating. When your credit rating is jeopardized, so is the
ability to get loans, good interest rates, or even that new
"Dream Job." Often there is human error involved in the
reporting process. Creditors pay someone to report
information about you. At times this information may have
been keyed in incorrectly, and as a result your credit
score drops.

Identity Theft Protection

Someone's identity is stolen every 3 seconds. If you think
about that, someone could be stealing your identity as you
read this article. That is pretty scary. If an identity
thief has got your information currently and is out using
your credit, how would you ever find out without pulling
your credit report? Maybe someone is out opening credit in
your name, and charging up stuff. What ever the thief is
doing, you are probably not going to find out about it
until it's too late. If you get credit report monitoring
services set up, you would get e-mail alerts when critical
changes take place to your credit report. Critical changes
like someone opening credit in your name and out having a
field day with your credit.

Conclusion:
Checking your credit report should not be a scary thing, it
should be a positive thing. If you are managing your credit
properly, then you will pull your credit in confidence. You
will be able to go to creditors and get good interest rate
loans with ease. Since a lot can happen to your credit in
such a short time, you should get a copy of your free
credit score report every 60 to 90 days. Checking your
credit report once a year is asking for a disaster, and is
total disregard for what is really going on out there
Protect yourself by staying on top of your report. I would
not wait for it to happen to you, check your free credit
score report today.

----------------------------------------------------
About the Author: Mike Clover is the owner of
http://www.creditscorequick.com/ . CreditScoreQuick.com is
the one of the most unique on-line resources for free
credit score report, fico score, Internet identity theft
software, secure credit cards, and a BlOG with a wealth of
personal credit information. The information within this
website is written by professionals that know about credit,
and what determines ones credit worthiness.