Delray Beach, FL (PRWEB) December 2, 2010
During the holiday season, it is understandable that consumers would rather be shopping, going to holiday parties and spending time with loved ones, as opposed to watching their credit files for changes. NationalCreditReport.com, a leader in credit report, credit score and credit monitoring services, reminds consumers that even though their minds might be elsewhere, their credit scores can still fluctuate, statuses of open accounts can change and identity thieves don’t usually take a holiday vacation, thus leaving the consumer’s credit file at risk.
“Even consumers who request their free credit reports with each of the 3 major credit bureaus one time a year could forget to do so when there are so many other things going on this holiday season,” said Samuel S. Ambrose, Vice President of Marketing and Operations of NationalCreditReport.com. “Credit monitoring services like ours take at least one task off consumers’ plates by monitoring their credit files on their behalf and e-mailing them if there are any changes. While a person might be taking some well-deserved time off during the holidays, these services work for them year-round 24-7.”
Credit monitoring services check a person’s credit file for account changes or new activity, including possible credit fraud and identity theft. The consumer receives an e-mail alert if anything is found, usually within 24 hours. These e-mail alerts may be the first indication of a valid credit inquiry, credit report inconsistency, inaccuracies in the consumer’s credit file or fraudulent activity within a credit file. Additionally, credit monitoring services, when used consistently, can often alert the consumer of a potential inaccuracy early enough for them to dispute it with the 3 major credit bureaus before causing significant credit report damage.
According to Ambrose, a credit monitoring service is one tool consumers can use to be proactive in protecting themselves against identify theft as well as staying on top of changes in their own credit files.
Since 2004, NationalCreditReport.com has specialized in providing credit information and credit monitoring services to consumers to help them understand their credit report and score. NationalCreditReport.com encourages consumers to check their credit report from the 3 major credit bureaus on a regular basis.
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