As you know, E-Geniuses provides maintenance plans to proactively prevent viruses and spyware from infecting your computer. This allows our clients to safely perform time saving tasks such as online purchasing and online banking. In addition to having us maintain their computers to ensure security, we would also recommend that clients keep track of their credit reports and to look out for unauthorized charges.

Federal law states that you have the right to receive a free copy of your credit report once every 12 months. AnnualCreditReport.com allows users to view their credit reports from the three major reporting agencies; Equifax, TransUnion, and Experian.

If you see any unauthorized credit cards or charges on your existing credit cards, then call your card company right away. Other companies also offer paid services that can alert you when there is suspicious charges made.

A credit report can also come in handy when purchasing a vehicle. If your credit rating is good, then you may use it as leverage to negotiate a better interest rate.

Checking your credit report is not only easy, it’s also free! Make sure to check your credit report at least once a year to ensure a level of security that will protect your credit score. Oh yeah, make sure your computer is also properly secured and maintained.