 TITLE: When Is a Credit File Created? CONTENT: Monitor Your Credit\n-------------------\nKeeping an eye on your credit reports is important. Tracking your progress can help you stay motivated as you establish and build your credit. Experian offers free access to your Experian credit report and free credit monitoring, with notifications if there's a suspicious change in your report.\nYou'll also be notified when there's a significant change in your credit report, such as a new account being added. An unexpected change may indicate your identity was stolen, and you'll want to act quickly to close the fraudulent account and get your credit in order.\nWith Experian IdentityWorksSM, you can monitor your three credit reports, lock and unlock your Experian report, and get up to $1 million in identity theft insurance. END