If you are worried that your identity might get stolen or that a mistake could happen on your credit, and you should be worried about this, then you need to be checking your credit on a regular basis and comparing your report with your last one. This is a very tedious task that you can do yourself if you prefer or you can use one of the many credit monitoring services to help you with this task.
When you elect to do your own monitoring you will need to pull your credit from all three bureaus at least 4 times a year. This will run you about $30 a time and you will need to compare and scrutinize your current credit report against your last one. This will keep you from having your identity stolen or at least if it happens you will catch it early on. It will also keep mistakes off your credit so that your score is reflective of you.
If you do not want to spend the time worrying about your credit report and your identity being stolen, then you can use one of the many credit monitoring services that is out there to help you track what is going on with your report. They will charge you a monthly fee of around $30 and they will watch your report like a hawk.
Every time something new goes on your report or a change happens they will alert you via email or text message, it is your choice. They will also alert you any time someone pulls your report to look into your credit. This can save you a lot of time and hassle if your identity is stolen or if mistakes end up on your report because they have services to help deal with this as well.
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