You can monitor your credit by checking your credit report from all three credit reporting agencies at least twice a year. Under FACTA (Fair and Accurate Credit Transactions Act), every consumer has the right to get a copy of his or her credit report free from each of the credit reporting agencies at least once per year (and sometimes more, depending on what state you live in).
Instead of getting a report from all three credit reporting agencies at once, get one from each bureau every four months (providing you with a different snapshot three times per year). To obtain your three free reports annually, do not contact the reporting agencies as you normally would. Instead, go to this website, which was set up specifically to allow consumers to receive free credit reports: www.annualcreditreport.com.
You can also monitor fraud in your medical files, on your Social Security statement, insurance claims, or in public records.
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