Many companies try to lure you into a paid service by offering what appears to be a free credit reporting service. Ongoing credit reporting service generally charge a fee, but you can get a free report once a year using https://www.annualcreditreport.com If you'd like more of an ongoing resource for monitoring your credit files, a website now owned by Google called CreditKarma is an option. The basis for this free service is that it will offer you deals on various financial services based on your actual credit scores, so you'll have to be OK with providing even more info to Google. CreditKarma can be accessed via your computer or mobile devices via the web or by downloading their app. Keeping track of your credit files to avoid becoming an ID theft victim is important and CreditKarmaand#160;https://creditkarma.comand#160;provides lots of great tools for doing just that.