How Your Credit Report Can Alert You to Identity Theft

Using Your Credit Report To Discover Identity Theft

Your credit report is one of the most important tools in your identity theft arsenal. Unfortunately, most of us don't read them often enough. If you're only checking your credit report when making a large purchase or applying for credit, there are a few things you need to know.

What Your Credit Report Can Do For You

Some of us only look into our credit reports when we want to get financing for large purchases like a home or a car. While it's true that our credit reports can give us an overview of our credit rating and how lenders view us, it's not the only thing that they're good for. Your credit report is also a great tool for detecting identity theft activity.

Your credit report outlines all of your credit accounts, both good and bad. If someone else is opening credit in your name, your credit report is going to show it. But what if you only check your credit once a year? A lot of damage can be done between visits. That's why many consumers are now opting to check their credit more often.

How Often is Enough?

Ideally you should check your credit report at least every three months. There are credit monitoring services out there that can help you do this while offering added identity theft protection.

With certain services you can get unlimited access to your credit report, along with identity theft insurance and free legal assistance should you fall victim to the crime.

While it's true that your credit report is a useful tool when you're trying to get credit, that's not all it's good for. Your credit report can also be one of your greatest allies in your fight against identity theft.

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