It is possible to get a free credit report and not have to sign up for a service. Several years back the federal government set up a program so that consumers would have access to their credit reports without charge or other obligations. That means that you can access your credit report from the three major reporting companies once each year by using this government service.
If you use the free credit reports correctly you will be able to monitor your credit history and protect your identification without having to pay out large amounts of money to other monitoring companies or services. Just checking one of your credit reports every four months and then rotating which one you look at will allow you to have unending monitoring of your credit without paying a dime.
There are programs that you can pay to monitor your credit report so that you won’t have to bother doing it yourself. The reporting companies even have programs that you can sign up to use. In the end doing it yourself is not that much of a hassel. You can monitor your credit history by using the free credit report that is offered to your through the federal government.