The Creative Investor - Credit Checks and Identity Theft

Every single year, as part of our annual wrap up, my wife and I not only change over all our files for the new year, we also run credit reports on ourselves.

We do this tradition for a couple reasons:

We keep our credit score the best possible it can be.
Find out if there has been any unauthorized accounts.
It is really great family time.

Ok, so maybe it isn't the most fun spending family time researching your credit, but at least you know your doing the responsible thing as an investor.

So when my wife came to me

and said we can save $48 bucks a year on doing a credit report (Yes we do it on both of us) I was pretty intrigued.

Supposedly due to the amount of identity theft and government pressures, you can now receive your credit reports courtesy of the big three credit reporting agencies for free. Yes, no strings attached. No gimmicks.

By using the link below, you will be forwarded to the website set up for consumers who would like to receive their own credit score once a year. Now, experts say to do it every 6 months. But once a year isn't that bad. http://www.annualcreditreport.com/ />
When you do go through your credit report, make sure you check for all the error when doing so. One year they had me living at every property that I purchased. That is a big deal to your credit. Address hopping brings down your credit score as it shows that you are unstable.

For more information about your credit score, you might want to check out my first article on Credit.
http://www.thecreativeinvestor.com/Articles1.html