Whether you are planning to buy a new car or a new home, you will need credit. And to ensure that your credit history is in good shape get hold of your credit report from all the three major companies — Equifax, TransUnion, and Experian. You can get a free credit report from all three agencies through creditnexus.com/. This is an agency that helps prevent identity theft, one of the fastest growing crimes in the United States. Almost 2,000 people are affected by it every day in the United States alone.
Check your credit report for accounts that you never opened or mailers sent to the wrong address. These are red flags that indicate that some one else might be using your identity.And if they are doing this, your credit rating could go down and you will have to pay higher interest rates. So be aware of the pit falls of identity theft and secure yourself against it. Experts recommend that you check your credit rating and credit history at least once a year to ensure that you are on track with your financial planning and that there has been no identity theft. Use this opportunity to check your credit report for free.