There's more than convenience when you get online free credit reports now. There's the
assurance that you know what your credit looks like at the moment. So why is the timeliness
of your credit report an important feature of getting online free credit reports now? Because
having current credit report information allows you to watch and stop the fastest growing
crime there is; identity theft.
According to the Federal Trade Commission, the average victim of identity theft doesn't
realize the theft has occurred until a year after the fact. At which point, his credit is probably
in shambles and the thief is long gone. The victim is faced with angry creditors wanting their
money. And possibly being wanted by the police if the thief committed any crimes while using the
stolen identity. But this can be prevented by getting online free credit reports now.
But maybe your thinking you don't need online free credit reports now because your identity
won't be stolen. Do any of the following apply to you?
- Do you throw away pre-approved credit card offers or bank and financial statements without
shredding them?
- Do you carry your Social Security card, military ID or student ID that has your Social
Security number on it?
- Does your driver's license have your Social Security number?
- Do you have your driver's license number or Social Security number on your checks?
- Do you get your mail in an unlocked mailbox?
- Has it been over 6 months since you've last seen your credit report?
- Do you give out your Social Security number on any application that asks for it?
- If you have a high speed internet connection and conduct financial transactions online, do
you store your passwords on your computer?
If you answered "no" to all the questions then you're a below average risk to be an identity
theft victim. However, if you answered "yes" to any of them, it'd be a good idea to take
action to correct your vulnerability. And of course, by getting online free credit reports now,
it will help you monitor your accounts for any fraudulent activity.
To get online free credit reports now and free 30 days of credit monitoring, please go to
free instant credit reports.
