 TITLE: A Guide to Establishing Credit for the First Time CONTENT: How to Monitor Your Credit\n--------------------------\nOnce you've begun establishing credit, you may want to sign up for a credit monitoring service that can help you track changes in your credit reports. You can pay for this service or use a free option, such as Experian's free credit monitoring service, which gives you access to your Experian credit report every 30 days. AnnualCreditReport.com offers one free report every 12 months from each of the three credit bureaus.\nMonitoring your credit is important because if there's a new inquiry or account on your report that you don't recognize, that could be an indication that someone is using your identity to fraudulently open accounts. You'll want to act quickly to file a dispute and resolve the matter. END