What You Know Really can make all the Difference

Just applied for your first credit card? Trying to rebuild your credit? Have you used credit for years and think you have good credit?

Whether your credit is old or new, good credit habits and proper credit monitoring will help keep you in the loop which in turn helps keep your credit safe. How does monitoring your credit keep you safe?

Consider this example:

You check your credit reports from each of the three credit bureaus regularly. For years, you see nothing out of the ordinary. Then one day, you see a new entry on one of your credit reports. According to this new entry, you applied for and received a new credit card for a department store that you have never shopped at before.

By staying aware of the information that is added to your credit reports, you can fight and remove inaccuracies from your credit reports before those changes have time to do any damage. You'll also be able to see first hand how every change affects your credit score - both positively and negatively.

But there are a lot of questions that come about regarding credit monitoring. What is the best way to monitor your credit? Do you need a credit monitoring service or can you monitor your credit yourself? Which credit monitoring service is best for you?

There are several ways that you can monitor your credit - even without paying for a credit monitoring service. Every year, you can contact each of the three credit bureaus and request a free copy of your most recent credit report and score. Or, if you prefer to receive copies more than just once a year, you can pay some credit monitoring services to receive copies every three months.

With ID Guards, you'll receive credit monitoring alerts every time there is a change made to any of your three credit reports - whether those changes happen just once in a year or three times in a week - so you can always spot inaccurate changes the moment they happen and begin working right away to have them removed before they can affect your credit - or your good name. With ID Guards credit monitoring services, you can keep your credit - and your life - in good standing.

Would you like to know more about credit and how it affects you? Whether you're looking for the answers to credit myths, basics to understanding your credit, or looking for a broad selection of solutions to monitoring and rebuilding your credit, ID Guards has the information you seek.