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Credit Monitoring

Credit monitoring is a service that tracks your credit report on a daily basis and notifies you of any significant changes on your report and any time a new account is opened in your name, which is a great way to limit the damage caused by identity theft.

Credit monitoring can also help prevent errors from tarnishing your credit reports. Consumers can more readily (and affordably) access their credit reports to check for errors. The quicker the errors are caught and corrected, the less damage will be done to their scores.

Another great benefit of credit monitoring is the service will notify a consumer of derogatory listings, such as delinquencies from a creditor. Derogatory listings can potentially damage credit scores for years. In order to have healthy credit, you need to identify and rectify any and all negative listings as quickly as possible.

A common misconception is that conducting a credit check or regularly monitoring your credit report and score will hurt your credit. This is not true. When you check your credit score or report, the credit bureaus consider it a so-called "soft" inquiry that will not harm your credit score. However, if a lender looks at your credit score or credit report, usually because you are seeking credit, this is a considered a "hard" inquiry and will be reflected in your credit score.

Signing up with a reputable credit monitoring service is a good idea if you are actively working on improving your scores. For a monthly fee, you will have access to your reports and scores. The fee is generally less than what you would pay for a single copy of your credit report with scores. During the credit repair process you should be examining your report monthly, so going through a monitoring service is a good deal.

Even if you already have good credit, credit monitoring is still smart. We recommend http://www.creditreportstogo.com as they cover everything needed. You should be in the habit of monitoring your report regularly to make sure everything is reported the way it should be.