How often should I check my credit report?

You should check your credit report at least once a year to monitor your financial health and ensure accuracy. Regularly reviewing your credit report helps detect any suspicious activities, errors, or identity theft. However, certain circumstances may require more frequent checks. For instance, if you have been a victim of fraud or identity theft in the past, it is recommended to check your report more frequently, such as every three to six months. Additionally, if you are planning to apply for a loan or a mortgage soon, checking your credit report well in advance enables you to address any discrepancies or negative factors that may affect your application. Overall, maintaining a proactive approach by regularly checking your credit report is crucial for financial well-being and securing a healthy credit score.