Many of us only think about checking our credit rating when we are asked to as part of a loan for a large purchase (such as a home) or when we fill out rental applications.  This is the wrong time, however, to find out that something is wrong with your credit rating.

Credit repair can be time consuming and stressful and the delays involved will often sink any current transactions.  Many an apartment hunter has bemoaned losing the perfect pad because she uncovered a nasty surprise when the rental office did her credit check.

For this reason it is prudent to sign up for a service that monitors changes to your credit rating with all three of the major credit reporting agencies.  In this way, you can be sure to initiate your credit score repair as soon as possible, rather than being inconvenienced with this task at an inopportune moment.