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Credit repair is available online, it is to improve your credit score and get you back on track financially after past credit problems and a legal way to clean up and improve your credit report.

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Check your bank accounts each week online or at an ATM. 70% of identity fraud is detected by the victim, and victims who do so through electronic methods suffer losses of less than 1/8th that of those who rely on paper statements for monitoring account activity. (source: Javelin)

FICO (rhymes with psycho) is an acronym for Fair Isaac Corporation (traded publicly under the symbol FIC) and often refers to the best-known credit score in the United States which is calculated using mathematical formulae developed by this company. This score is one of the most important factors in obtaining credit in the United States. For institutions that use scores as a factor in their lending decisions, scores below certain numbers (typically set by each lender's risk management department) may result in denial of credit, or credit being offered at a higher interest rate.