Stay Focused with Holiday Spending - Review all credit card statements and make sure all purchases were made by an authorized  user or the card holder. This is a great time for thieves to slip in a purchase or two without being discovered.

Time for your Annual Credit Check

After all your Holiday spending – it is wise to do a review of your credit.  January is a good month to request your annual credit report to battle identity theft.  Credit reports contain a collection of personal and financial information, such as addresses, telephone numbers, and a detailed credit history, including accounts opened and unpaid debts. Make sure the addresses and phone numbers associated with you belong to you and review all open credit cards. 

Michigan citizens are entitled to a free credit report from each of the three major consumer credit reporting agencies:  Equifax, Experian, and Trans Union.  Help prevent identity theft by ordering one report from each agency every four months. 

Order your Free report online at www.annualcreditreport.com; by telephone at 1 877-322 8228 or by mail Annual Credit Report Request Service P.O. Box 105281, Atlanta, GA 30348-5281.