Monitoring Your Credit

Credit Monitoring: A Small Price To Pay To Keep Your Credit In Check!

My friend Chris Ann Cleland, who is a Northern Virginian Realtor and an Activerain member, wrote a post about short sales and credit card debt and inspired me to write my post below:

A few years ago, I signed up with TrueCredit to keep an eye on things since my Mom was a victim of Identity Theft. Sad, but true. I helped her pull her credit reports for free to go over what else was going on. Thankfully, she didn't have to pay any monies owed and it didn't take years to get it cleared up.

I pay $16.00 per month with TrueCredit. I have access to the 3 credit reports and all 3 of my credit scores. Some places will charge you $10.00 but that usually does not include the credit scores. I personally feel we shouldn't have to pay to monitor our own financial information but that's just me.

Every month you can update your scores and credit reports. They will notify to via email anytime a change has occurred to your credit report whether it's an inquiry from a current creditor, a new creditor, etc. This is helpful because if someone stole your identity and opened credit cards, loans or mortgages in your name, you will know about it right away and not years down the road.

They even have a Learning Center where you will learn how to dispute your credit report, managing your credit scores, tips for managing finances, kids and money. The list is endless!

It's not just about preventing Identity Theft, it's about monitoring your credit on a monthly basis. It really is a small price to pay to keep your credit in check!

 


Jackie Connelly-Fornuff 
Century 21 AA Realty in Lindenhurst, NY

Serving the South Shore of Long Island of Suffolk and Nassau Counties: Long Island Residential Listing Agent, Buyer's Agent, Condo, Coops and Short Sale Specialist.

Always Moving at the Speed of You!                                                 

Jackie Connelly-Fornuff with Century 21 AA Realty Lindenhurst NY

Cell/Text: (631) 703-0201
Office: (631) 226-5995 Ext. 242
Email: JackieConnelly@optonline.net
Website: www.LongIslandRealEstateLady.com
Blog: www.JackieConnellyFornuff.com
Facebook: Lindenhurst NY Neighborhood News
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10 Comments on Credit Monitoring: A Small Price To Pay To Keep Your Credit In Check!

MAY
04
2010
1,115,960 Points 101 Featured Posts Outside Blog Attended Rain Camp Called Shot Master

My experience was not easy as your moms.  It did take me more than a year.  I now have my credit "locked" and no inquiry can be made to any of the three reporting agencies without my knowledge and concent.  It's a pain in the rump when I want to buy something, but worth it when someone else tries to buy something using my good credit score and name.
1:09pm • #1
653,042 Points 49 Featured Posts Localism Sponsor Outside Blog Called Shot Master

Hi Tammy, I'm sorry you had such a hard time to resolve it. I think in the beginning, credit lending institutions had a hard time believing that consumers didn't open the accounts themselves. I know it's a pain. My Mom also goes through the same thing but it is worth it like you said :)
1:19pm • #2
MAY
06
2010
1,910,827 Points 385 Featured Posts Localism Sponsor Outside Blog Attended Rain Camp Called Shot Master

Jackie, I have this service with one of my credit cards and it's worth every penny! 
9:05am • #3
653,042 Points 49 Featured Posts Localism Sponsor Outside Blog Called Shot Master

Hi Pat, I agree 100%! It's a very small price to pay in order to keep an eye on your credit.
9:09am • #4
MAY
09
2010
700,937 Points 39 Featured Posts Outside Blog Called Shot Master

I'm not sure I would want to pay that much attention monthly but as you say, once something happens it's a little late to think about it. 
7:51pm • #5
653,042 Points 49 Featured Posts Localism Sponsor Outside Blog Called Shot Master

Hi Lyn, it only takes a few minutes per month to check on it. It's worth it :)
8:00pm • #6
MAY
10
2010
585,406 Points 105 Featured Posts Outside Blog Called Shot Master

Jackie, you are so right!

One of the things I do on a regular basis is write credit articles for a client who has a "free credit report" site - and in order to do that I read a lot of credit sites.

What I've learned is that identity theft is BIG business and those folks are constantly coming up with new ways to steal your identity. By keeping an eye on your report on a monthly basis you can nip problems in the bud before they ruin your credit or drain your bank accounts - or both.

Keeping track of your credit score is important too - because you might be surprised at the innocent things you do that can harm your scores. Watch the scores and read the "reasons why" they are what they are. Then take action. You never know when you might want to use your credit and poor scores will cost you money.
12:01am • #7
653,042 Points 49 Featured Posts Localism Sponsor Outside Blog Called Shot Master

Hi Marte, keeping an eye on your credit will make your life easier. You can catch things sooner rather than later.
6:29am • #8
MAY
14
2010
301,384 Points 55 Featured Posts Localism Sponsor Outside Blog

Jackie - Thanks for the info, I have been considering paying for the credit monitoring and you might have talked me into it.
12:20am • #9
653,042 Points 49 Featured Posts Localism Sponsor Outside Blog Called Shot Master

Hi Carol, You are welcome. It's always good to see what is going on.
6:21am • #10

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Jackie Connelly-Fornuff Century 21 AA Lindenhurst NY

Lindenhurst, NY

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Long Island NY Real Estate Agent

Address: 1596 Straight Path, Lindenhurst, NY, 11757

Office Phone: (631) 703-0201

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