Welcome to Credit Report Watcher

It’s a fact that the vast majority of people have a line of credit of some kind. Credit cards, loans, mortgages, auto payments and many other financial moves have an impact on your credit. Surprisingly, only 5.5% of financial-active people request their own credit report data, and don’t even mention checking that on a regular basis!

Your credit information is constantly monitored by creditors and potential lenders, but for some reason most people just don’t care about their reports... until something bad happens. Then you discover that you have enormous debts due to loans you didn’t apply for, or one day a government agency knocks on your door charging you with a crime you don’t even know it was committed; that’s when you realize that it’s too late: your life is completely ruined. And all because you didn’t know that a quick, effortless look at your credit report could have prevented that. Well, here is where we come in.

Welcome to Credit Report Watcher.  This site is aimed to introduce you to credit reports and help you to realize the importance of regularly monitoring them, bringing you important information that will be useful to improve your credit score and also to prevent someone from stealing your identity.

We have packed this site with tips and hints on how to keep track of your credit, both by taking advantage of the free credit reports you can get from each one of the three national credit bureaus, or by purchasing one of their convenient credit monitoring suites.

There is a lot of credit monitoring choices out there, and we think that the amount of information available may overwhelm inexperienced people. We also believe that everyone should be able to keep track of their credit history and evaluate their current and future situation with no need of hiring a professional to do this; after all, there is no monitoring like self-monitoring.

For this reason, we have put together a set of informational articles that hopefully will help you understand some important concepts, clarify some unknown terms, and solve common problems while reducing the risk of being a victim of identity theft (the most-growing crime nowadays) at the same time.

Did you know that there is a national law that entitles you to request a complete credit report from each of the three national credit agencies absolutely for free, once a year? You can learn more about this law (the FACT Act) by taking a look to our articles. There is also a bunch of information on how to prevent identity theft, with advice on some good practices to keep your confidential data safe.

This site will also help you take action to improve your finances, by explaining why you should keep an eye opened for potential opportunities and quick, simple ways of getting more convenient interest rates for your loans, mortgages or any other type of account.

Credit Report Watcher is proud to offer quality information: our specialized team of experts has summarized the most important facts you absolutely must be aware of. Our team has also reviewed the available monitoring packages, just to tell you what are they all about, thus making your decision a lot easier.

Feel free to navigate this site using the links on the menu. We know that you will be quickly learning about credit facts, and in no time you’ll be looking at your credit reports with the eye of an eagle.

We sincerely hope you find the content of our site helpful, and find it valuable. We have put a lot of time and effort to bring you quality, useful credit information; and we hope you enjoy navigating this site as much as we enjoyed building it.

The Credit Report Watcher Team