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Credit Reports Affected as Identity Theft Rises in Tough Economy

I think most of us are in the same boat today—we’re cutting back, couponing and just trying to pinch the proverbial penny whenever we can in this tight economy. It’s more important than ever to keep track of what is going on with your finances—including keeping track of what is on your credit report and what is happening with your credit score.

You may be thinking, “I can’t even pay my electric bill, why do I care about my credit score?” Well, unfortunately in tough times, crime also rises. According to the U.S. Federal Trade Commission, they received over 250,00 identity theft complaints during 2010. That means people may be stealing your information and using it to open credit lines and other accounts in your name that you may be responsible for paying—on top of the bills you already can’t afford.

So, how do you keep track of what’s happening? Simple. Keep track of your credit score with a free credit score report. Monitoring your credit score will help alert you to any suspicious behavior under your name—including delinquent payments and accounts opened under your information.  And, let’s face it; don’t we have enough to worry about already without paying for fraudulent charges caused by someone else?

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Along with being a contributor to, Jacqueline Wilson is: Appalachia Advocate~Supporter of Women~Writer~Accidental Pit Bull Advocate.

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