A part of that is that many people just can’t be bothered. It’s apathy. Until our credit score actually gets in our way and makes it difficult for us to get a or a job that we want, we never really want to think about things that are as boring as credit reports. Free or not free. The few people who do actually make it their business to be engaged with their financial lives are often discouraged by how it is often not as simple as it seems to actually get those free credit report. People are somehow under the impression that even if it’s free, they just need make one misstep and they’ll be hit with a fee.

Whether you believe it or not, there are countless individuals that suffer from identity theft on a daily basis. It’s not that they’re advertising their social security number online or anything so drastic. Crooks simply get ahold of their information in other ways. Take your garbage for instance. You should never merely discard your banking information or credit card statements in the trash can. Remember that anyone can snag these documents from the garbage and read them. Next time try shedding your personal information.

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