How can I monitor my credit report? Monitor your credit report by pulling one report a year for each of the three credit reporting agencies at annualcreditreport.com. Pull one in the spring, one in the summer, and one in the fall. That way you will be able to see if there are any unauthorized credit accounts or application. Then file disputes with each agency when/if you find any. Keep a close eye on the balances and transaction details of your accounts (Checking, Savings, Credit Card, etc) by reviewing your monthly statements and using Online and Mobile Banking. If you see a charge on your account you aren’t familiar with report any unauthorized transactions immediately. Pay attention to your billing cycles. Follow up with creditors if your bills don’t arrive on time. A missing bill could mean an identity thief has taken over your account and changed your billing address to cover his tracks.