Are you aware that you can actually order your free credit report from the three major credit bureaus every year?
From the time that this was made available for free a few years ago, I have always made it a point to periodically check our credit report spread out throughout the year.
What I do is that I recorded the month and date that I checked our report since the start of the fee reports, and at the start of each calendar year, I mark my calendar and ensure that the specific date of my free credit report on each credit reporting bureau is requested or ordered on or after the recorded date. That way, my request is not going to get denied.
It’s been working pretty well for us. Being fully aware of what’s being recorded on our credit report gives a control freak like me that much needed security and assurance. In this crazy world that we live in where identity theft is rampant, it is imperative to be always proactive and on the look out.