You really cannot begin to repair or improve your credit until you know exactly where you are at with your credit. You need to know what is on your credit report. Frankly, I believe you should look at your credit report frequently. Enrolling in credit monitoring is a good thing. Yes, it is one of those ‘new’ expenses that was not around 10 years ago (similar to ID theft protection), but it really is something that will help you financially especially if you have bad debts or collections or overall credit problems.
