There are so many new phones right now that it makes anyone who is looking for a new one crazy when it comes to choosing. The latest craze right now is smart phones or android phones. Their software is actually faster than the regular phones and it is much easier to work with.

So what does it have to do with your credit report? Well, you can now use them to check your credit report. Yes you heard that right! Your credit report will be right in the palm of your hands. We’re pretty sure you know that your credit is very important and it deserves to be monitored regularly. Right now, there are applications for your smart phone that you can download easily through the net. With those apps, you’ll be able to check your credit regularly. You can even keep track of fishy transactions easily. The advantage of checking your credit through your phone is that you can prevent identity fraud easily and you will know about the goings-on in your credit fast.

Credit errors can occur anytime and when they do, you have to act quickly about it and file a dispute to your credit agency. With the help of your phone, you’ll be able to do that in a breeze. You’ll be notified with your bills, huge amounts of debt, delinquencies or other suspicious activities. Even slight changes in your information will have your phone notifying you about it. Of course, these applications will come with a price, but if you compare it to the benefits you’ll be getting, it will all be worth it. Being able to check your report even when you’re away is a bonus too. With the internet’s availability everywhere your credit will just be a press away.

But remember that your phone should still be taken care of. People usually leave their phones easily and they often forget to log off of their accounts, increasing their vulnerability to identity theft. You are still accountable if ever you lose your phone, so take care of it all the time. It’s actually better if you always log out after checking your report. Be precautious all the time because your identity and your credit will be at risk. All the damages will be recorded on your credit report and you won’t be able to get rid of them easily. Some even stay for years.

With the gadgets right now, you can almost do everything. Try it and discover for yourself the benefits of having these apps for your phone. Do whatever you can to manage and control your credit report and remember to be responsible with your things as well.

You are entitled to get your credit report free annually to keep a check on your credit report. Review your credit report regularly and simplify your difficult financial planning.