How can one monitor their credit score and track changes or updates over time?

There are several ways to monitor your credit score and track changes over time:

Get your credit report: You can request a free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once a year. Review your credit report for accuracy and report any errors to the credit bureau.

Sign up for credit monitoring: There are many credit monitoring services available that will track changes to your credit report and score and notify you of any suspicious activity.

Use credit score tracking tools: Many credit card companies and banks offer free credit score tracking tools to their customers. These tools allow you to monitor your credit score on a regular basis and receive alerts if there are any changes.

Set up fraud alerts: You can request a fraud alert be placed on your credit report if you suspect fraud or identity theft. This will require lenders to take extra steps to verify your identity before opening any new accounts in your name.

By monitoring your credit score and tracking changes over time, you can take steps to improve your credit and prevent fraud or identity theft.