You need to monitor your credit three times per year to check for the possibility of identity theft. I'm sure you know that, by law ,you are entitled to a free credit report once each year. But, did you realize that means you can actually monitor your credit three times per year - once, thru each of the three national credit repositories - Equifax, Experian and Trans Union? Here's a great website you can use - www.annualcreditreport.com. A good way to make this work is to check one repository every four months. So, in January, check your credit thru (6 comments)