September 11, 2006 11:34 PM
5 Ways to Monitor Your Credit Reports
Bankrate is recommending we consciously monitor our credit reports so we have a lesser chance to be victimized by identity theft. Probably before very soon, everyone of us has to pay a monthly due to credit reporting agencies to have the comfort of mind.
From Bankrate:
Identity theft can cost you thousands of dollars if it goes unnoticed, not to mention dozens of hours cleaning up your credit report and clearing debts owed. To save time and money, it makes good sense to guard -- or at least watch -- your credit reports.
That said, protections come in several flavors. Some won't do much, other than alert you to unusual activities on your credit report. Others will prevent anyone from accessing your credit report, including other credit bureaus. It all depends on how much you care about convenience versus safety.
Each preventative measure carries its own set of benefits and caveats, so to help you decide, we highlighted the key differences between credit freezes, fraud alerts and various types of credit monitoring.
• Credit freezes
• Fraud alerts
• Credit monitoring services
• Do-it-yourself credit monitoring
• Bank credit monitoring services
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