subject: How A Free Credit Report Can Save Your Life [print this page] Everyone knows that having good credit is exceptionally important. With a low score, a person would not even be able to purchase a pair of shoe laces on credit! Therefore, it's very important to acquire a free credit report fairly often and make sure there are no problems on it... Not only to make sure that no business or bank made any mistakes, but to also ensure that there is no one that has assumed your identity! When was the last time you took a good hard cold look at your credit report? Even every four or five months is too long to go between looking at your report, in my view. You can get a free credit report tomorrow and then just about anyone can steal your identity in a short period of time and destroy your credit over the next couple of months, and by the end of the year, you're in deep, serious trouble! What would your response be if that nightmare happened to you? There are very few people that would be able to do something of consequence about it. You fight the problems on the credit report by reporeting it to the authorities and then, you would have to wait in most cases, several years before your credit is fixed. What would you do in the meantime when it comes to renting a house or apartment, owning a car, getting some insurance or getting anything else that demands that you have good credit? It's not a case of simply filing a claim against a wrongful entry on your report that was opened in your name and have it go away quickly... There are seemingly endless investigations that need to be carried out to ensure that you are not the one trying to commit fraud. Who wants to get involved in a dreadful nightmare like that? I can't imagine anyone that is sane wanting or allowing that to happen if avoidable. That is why it's very important to look at your credit report frequently. You can get a free credit report over the Internet quite easily and yes, it will be totally free! I never fail to check my report every month and print everything out to keep for future reference. It can make the difference between a great life or a nerve-racking, nightmarish one! Is the danger worth the risk?
