In today’s financial society your credit history and FICO score are important which is one reason why you need to keep up on who may be peeking into your personal stuff without you knowing about it. Of course, your conundrum is locating a legitimate company who can keep tabs on your credit so you don’t have sleepless nights. Today there are so many credit companies offering this and that for free, they’re like moss on a Mississippi tree stump. However, the only place you can actually get a free credit report is from the United States Government. You can get one free every 12 months but don’t be confused about credit reports and credit scores. Your free government checkup will not include free credit scores. They will cost about $20 bucks extra at any of the three reporting agencies. Other companies, however, are a bit cleverer and may have a group of rock singers offering you a free ride, until you read the mouse print at the bottom telling you that a one year contract is part of the deal. Since you can’t stay on top of your credit day and night, you might want to consider placing your trust in a credit monitoring service to cover your back and front and everything else you have which will allow you to stash that life preserver in your garage. These monitoring services track the most important elements of your credit and keep you informed 24/7.