What are you doing to Protect your credit in 2015?

[bdhu2001]

Okay, it's the new year and there are many ways to have your credit destroyed.

I'll get the ball rolling with my 2015 plan:

1. I'm paying everything on time.
2. I'm gardening.
3. I'm keeping my utilization below 15% (right now it's below 1%)
4. I've put fraud alerts on all CBAs (My ID Protection "TrustedID" recommends it
5. I have threshold alerts on my credit cards (they advise me of charges over___ amount).

[coldnmn]

I like number five I never thought about doing that. Thanks for the suggestion!

[SomeGuyOnTheWeb]

Build a six month "just in case anything happens" account.

Sad to say, I have about a month and a half worth of savings where I could get by without having to use a CC to live. Not good, I know.

[Anonymous]

1) Lowering my UTL from 4 -> 1%

2) Continue to pay everything on time

3) Garden for at least 6 months

4) Just sit there and watch my score go up ^^v

[Anonymous]

Stay in the darn GARDEN...

Im at 27% utilization and goal is 5%, so I will pay them off.

Save money

[tacpoly]

1.  I put a freeze on the big 3 credit reports.

2.  I get an alert with every transaction posted on my cc and bank accounts.

Edited to add:

3.  I use 2-step authentication for every account when possible. 

[RobertEG]

Fraud alerts only last 90 days unless you get an extended fraud alert, which requires sending a police report that asserts suspected identity theft.

Do you have actual identity theft concerns, and thus need for an extended fraud alert?

Personally, I fortunately do not.

Fraud alert and freeze provisions are to protect against misuse by others.

Monitoring services can often provide adequate protection.  That is my current extent of protection of my credit.

The other steps relate to self-inflicted damage that are good steps for anyone.

[bdhu2001]

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@RobertEG wrote:

Fraud alerts only last 90 days unless you get an extended fraud alert, which requires sending a police report that asserts suspected identity theft.

Do you have actual identity theft concerns, and thus need for an extended fraud alert?

Personally, I fortunately do not.

Fraud alert and freeze provisions are to protect against misuse by others.

Monitoring services can often provide adequate protection.  That is my current extent of protection of my credit.

The other steps relate to self-inflicted damage that are good steps for anyone.

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I have a monitoring/ ID Theft Protection, but they also suggest the Fraud alerts and that you renew it every 90 days.  They send a reminder when it's time to renew the alert. Fortunately, like you, I do not have police report.  I'm hoping to safeguard myself from getting to that point.