Ideally, you should do this three times a year -- maybe January (taxes), May (spring time), and October (fall time).... but even once a year is better than not at all.

This is FREE -- Why wouldn't you request a FREE credit report to assure yourself that nobody is using your name or credit out there.

If you don't take a few minutes now, to check your credit report.... Later, someone using your identity could prevent you from getting a loan you need, from selling or buying a home, etc.

It's not impossible, but truly TONS more work to clear your credit after identity theft occurs, and SO simple to keep it in check NOW.

A FREE credit Report (without a credit score) is available once a year - be careful, there are many credit sites out there, many charge a fee, and you certainly don't want to find a SCAM site and enter your precious personal data!You can also call them as a central resource for the FREE credit report at 1-877-322-8228.

To write for a credit report, send the following information:

Name
Address and previous addresses within five years -- and PROOF of your current address (copy of drivers license or a recent bill will work for this)
Your Social Security Number
Your date of birth
Your spouse's name
Your employer's name and address
Your telephone number
Your signature

Here is a letter you can use, then fill in the blanks and mail off to any of the three Credit Reporting companies in the U.S.A.....

Do you think that Seniors are the TOP targets for Identity Theft? They are high on the list, but believe it or not -- newborns are the top targets. Who would ever think to check the credit report of a child? That's exactly how the scammers do it... you've got a social security number, they can get data from hospital records, etc.. and wham, that 2 yr old is suddenly a bad credit risk and the parents have no clue!