Your credit score is one of the most important things in your financial status. Basically, it is the window to your spending habits and sometimes, your net worth. Actually, your FICO credit score can determine many aspects of your character and how you manage to pay your bills. It has become very important to keep a good credit score because a lot of employers nowadays are checking the credit worthiness of the people applying to them before they consider giving jobs. Because of this, it is very important that your FICO is as accurate as possible.
As your credit score is very important, there are also things that you need to be aware of. One of these is identity theft. It is one of the fastest growing crimes in the United States. The effects of this crime can be very stressful and depressing to you. The victims of identity theft do not even realize that someone is already violating or getting access to their personal credit bureau report. It can be very frustrating to people especially if your personal credit report has been violated.
However, there are things that you can consider doing to protect your credit bureau report from being accessed by other people. One way is by getting a free triple credit score report from all three credit bureaus. The three known credit bureaus that can help you are Experian, Equifax and Trans Union. These three bureaus can provide you all the information that you have reported. With this, you can already protect your personal credit bureau report.
Once you already received your 3 credit bureau reports, then you must make a thorough investigation to be sure that all the information that you have is reporting correctly. If you happen to discover that you have been a victim of identity theft, the best thing that you can do is to look for professional legal help and go to reputable credit attorney.
It will be better if you will get your free triple credit score report as soon as possible. With this, you can easily know if you are being attacked by an identity theft. If you will act fast, these kinds of instances may be prevented.
If you need something that can protect your credit report from identity theft, you can consider applying for IDENTITY GUARD®.It is known as the industry leader in credit monitoring services and identity theft protection. It offers triple protection by giving you access to all three credit files and all three free credit scores from Experian, Equifax and Trans Union with enrollment. The best thing about this is that it monitors your credit files from the three major credit-reporting companies. Once they found out that there is a fraudulent activity happening in your account, it will immediately update you through email, text or telephone.
Aside from these, it also provides unlimited access to your three credit scores. It will show a detailed analysis about the possible threats that are affecting your score. You can also receive email alerts for some changes in your credit profile and it provides up to $1 million identity theft insurance. The service comes with a 30 day trial so you can see how you like it and if not cancel it and avoid the $14.95 a month fee. However if you are Costco member, you can get a discount Identity Guard membership.
Next, get your free triple credit scores with Identity Guard.
Forget about manually calculating your own FICO credit scores. Get it free instantly online and find out how lenders view your credit before you apply for a mortgage, credit card or auto loan.