Looking at your credit report regularly is critical, and these days, just once a year is no longer often enough. Looking at your free annual credit history is no longer the best way to manage your credit. There are several reasons it's important to look at it more often through a credit monitoring service:
1.) You will be able to see your credit score, which is not available on your free annual report.
2.) Looking at your credit report more often will help you see how your personal financial habits and choices affect your credit score.
3.) You will be able to make sure that no one is fraudulently using your information and racking up debt in your name.
4.) You will see your report from all three of the national credit bureaus, giving you a more comprehensive look at your credit profile.
Enrolling in a credit report service is also beneficial because you are updated with your credit report automatically, so you will not have to worry about forgetting when the time you checked it. For a negligible fee, you can have the peace of mind knowing that it's already taken care of for you.
Whether you are trying to protect yourself from identity theft or trying to improve your credit, monitoring your credit file is almost essential. Looking at your credit file more often will keep you aware of any changes in your credit status and allow you to make more financially savvy decisions. Do not hesitate to enroll in a service that will make it a whole much easier for you and get you on the right track to making smart financial decisions.