There are two main reasons you should check your free credit report. First, to detect and protect against identity fraud before you become a victim. And second, to be an educated customer about credit services.

No one thinks that identity theft will never happen to them, so when it does, they are often entirely unaware. Checking your credit report often can help you detect fraud and resolve the issue before it is too late. Furthermore, being educated about credit services can help ensure your financial security, as well as promote an environment for good credit as opposed to fair or decent credit.