For your protection, we must verify your identity before providing your credit report. When you order your free report here you begin your free trial membership in Triple Advantage Credit Monitoring. If you don't cancel your membership within the 7 day trial period, you'll be billed $12 each month you continue membership. The offer is not related to the free credit report you're entitled to under Federal law. To obtain that report go to annualcreditreport.com

Credit Management

In the past there was only one type of credit management, and that involved the policies and practices that retailers follow to receive payments from their customers.

But today, credit management can also be synonymous with debt management, and millions of people look to these services every year to gain control of their finances.

Consumer credit management often begins when a person discovers that their credit isn't what they'd like it to be, but they aren't sure of the best methods to improve the situation. Sometimes, a person becomes the victim of identity theft or finds errors on their credit report, and turns to credit management as a means of fixing the problem, and making sure it doesn't happen again.

Do you know all three of your credit scores? It only takes a minute to get your Free* Credit Score! It's fast, easy and secure!

If your bigger issue is debts, you'll want to make sure that you can speak to a credit counselor. Be sure you know what all three credit reporting companies have in your credit report, since you'll want the full picture before you get started making changes.

If you pursue credit management that offers the services of a credit counselor, that person may speak to your lenders to arrange lower interest rates and payments for you. If you need advice on how to improve your credit score, he or she can help you with that too.

Help With Identity Theft

Finally, if you've been the victim of identity theft, credit management is key to repairing the damage that may have been done, and to preventing it from happening again.

Your credit counselor can help you to make the decisions that will boost your credit scores as quickly as possible, and by monitoring your credit and credit reports at least once a year (preferably more) you can make sure that you don't fall victim to identity fraud ever again!

Get all three of your credit scores? Start your Free* Credit Score! It only takes a minute. It's fast, easy and secure!

(*With enrollment in Credit Score Complete)