The start of summer is a great time to check your credit reports! Everyone in the United States is allowed one free credit report every 12-months from each of the three main credit bureaus. These free reports can be accessed securely through www.annualcreditreport.com. However, if you are currently in the credit building or credit repair process chance are you have already used that one free ticket.
Where do you go from here? Well there are a couple different options. The first is to go through a service called MyFICO.com. While its not free it can certainly be worth the money. Not only will you get credit reports every so often (including one when you sign up) it also includes your FICO Scores and will help monitor your credit reports for fraudulent activity which rises in the summer as we travel.
The FREE option is to place a fraud alert on your credit profiles. When you do this it provides an extra barrier of protection on your credit report because people can’t open any new accounts in your name without you being notified. But its also allows you to request a FREE copy of your credit report from each of the three main bureaus.
As you prepare for your staycation, family travel, or just some warm weather relaxation its important to protect yourself and your family. Fraud and incorrect reporting can ruin your plans for a fun filled summer that you deserve.