How vigilant are you when it comes to your credit history and or credit report? How often do you check your credit score? Is identity theft an ongoing fear that has been bugging you all these years?
In these day and age when ones credit score can either make or break an individual, it is rather imperative to be very vigilant about their credit history. How vigilant is vigilant?
If you care enough and it matters to you, obtaining your credit history from the three credit reporting bureau once a year should be a priority. Of course, a free credit score if it is obtainable is the next step to take. The credit report is the building block to ones credit score thus, ensuring that the credit report from the three credit reporting bureau is accurate is of utmost important. An individual has the right to dispute whatever misreported item is on their credit report and this must be acted upon as soon as an error is detected.
Identity theft is rampant in the United States. Unfortunately, we are at risk all the time as there are many unavoidable circumstances when our Social Security Number is required, and in the same token, just by simply using our credit cards make us vulnerable to the prying eyes of unscrupulous individual who may have the intention.
Therefore, our only logical action and the best defense is for us to check our credit report religiously. It pays to be vigilant. It is better to be safe than sorry. An excellent credit score is important no ifs and buts.