: Incorrect late payments or accounts that aren't yours can tank your score. Regular checks let you dispute these inaccuracies with credit bureaus.
: Many services provide "soft" credit checks that do not hurt your score: monitoring-your-credit
: New account fraud can happen when someone uses your personal information to open credit cards or loans. Monitoring helps you see unauthorized "hard inquiries" or new accounts immediately. : Incorrect late payments or accounts that aren't