I have an account with freecreditreport.com and it has helped alot. It emails you when anything goes on with your credit. I mean anything. Somebody tries to use your sociel it automatically emails you an alert. It also tells you what you are doing good that is helping your credit and what you are doing to hurt your credit. It will then tell you what you need to do to fix your credit. It is $12.95 a month I think but I really do think it is worth it for someone who is really wanting to repair and maintain their credit report..