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• Monitoring your credit report is essential to
  keep up with items that should not be there.
• You can also reduce your chances of having your
  identity stolen can be very stressful. Monitoring
  your credit also keeps you abreast of things that
  are needed for you to improve your credit score
  and credit deems "merit".
• Remember, your credit score should be
  appreciated. If used properly it can bring
  happiness and less stressful situations much, but
  if it falls into the wrong hands it can take
  years to fix. What can cause stress and sometimes
  even depression.
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• Having good credit can make a big difference in
  the quality of one's life.
• Viewing the free annual credit report gives the
  consumer the opportunity to maintain control over
  what information is in your credit file.
• This information is too important to not track
  closely. False information may cause the consumer
  is denied credit or have to pay higher rates for
  credit. N
• egative reports may even affect the ability to
  purchase insurance or even a job of a person.

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Act Fair Credit Reporting entitles all consumers
the right to receive a free copy of your credit
report from each credit reporting agencies.
Because of the prevalence of identity theft is
important for consumers to request their free
credit reports each year.
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One of the first things to do is to call the
three credit bureaus and put a fraud alert on
your account to warn potential creditors to
contact you personally and take other precautions
before opening another account.