Get your free credit report TODAY!
Why get your free credit report? Because with it, you can see who has been accessing your credit and whether or not some thief is "going to town" on your good name!
I had my identity stolen when I was 22 years old. Back then, it was a MAJOR pain to monitor your credit and an even bigger pain to correct FRAUDULENT entries. It took me nearly a year of my life to correct the damage an identity thief caused in just a couple month's time. If I could have caught him sooner, I would have saved myself a lot of time and aggravation.
Today, it is much easier for a thief to steal your identity...but, thanks to the internet, it is also much easier for you to view your credit report. Additionally, there are many "credit-monitoring" services that will automatically notify you of any suspicious activity. These are great tools that weren't available when my identity was stolen. Protect yourself...
While you're at it, you can find out how "good" (or "not so good") your credit score currently is. It's good information to have. There may be mistakes on your credit report that are having a negative impact on your score (happens all the time.) They're not too hard to remove; but you can't remove them until you know they're there! Knowing your credit score is the first step in working toward improving your credit score. If you can get this information for free, why not?