What about those companies claiming to provide services to improve my credit score and fix my credit?
Before you choose to work with a service promising to improve your credit file and raise your credit score, be wary of any offers or promises that seem to good to be true. In fact, raising one’s credit [...]

What is credit monitoring or these services and solutions designed to “monitor my credit history?”
A credit monitoring service basically looks over and guards your credit history file. If there are any changes to additions to your credit file, including personal information changes, new credit accounts being opened or closed, new items of public credit [...]

Before I learn about getting access to free credit reports, could you clarify what credit reports are?
A credit report contains all the relevant information about you that pertain to credit worthiness. A credit and lender will request a copy of your credit file so that they can assess how you handle your credit. [...]

What is a credit report?
A credit report is a report of your credit file, which contains items that people such as credit bureaus, lenders, credit card companies, creditors, employers, and businesses can use to assess your credit worthiness. Credit reports contain four parts: personal identifying information, credit accounts, matters of public credit record, and [...]