Thank you. Your best option, and the least expensive, is to review your own credit reports on a regular basis. That's what these other services do.

There are three credit bureaus.

You are entitled to a free report from each one each year.

You go to this website: https://www.annualcreditreport.com/cra/index.jsp

Pull out your calendar. Request one free report from one of the bureaus now. Review it for accuracy, follow the directions to dispute any inaccurate information. Four months from now, request a free report from a different credit bureau. Review it for accuracy, follow the directions to dispute any inaccurate information. Four months later, do the same thing with the third credit bureau.

This is how you can, for free, actively keep on top of your affairs.

If you want to review your reports more frequently, you can. You will just have to pay the bureaus for those extra reports.

It has been my pleasure to assist you today with your information needs. It is my goal that you are satisfied.

What are your options now?

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Thanks,
~~ J.B.