With data breaches so common, make a habit of checking one of your credit reports every four months. Why every four months? Because you’re entitled to one free credit report per year from each of the three credit reporting agencies: Equifax, Experian and TransUnion. Go to annualcreditreport.com and download one of yours this month. Then, check it for mistakes or accounts that don’t look familiar. If you find a mistake, dispute it. By checking your credit reports at four-month intervals, you’re creating a DIY credit-monitoring service.

Tip courtesy of Bill Holmes with Front Street Mortgage