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The credit reports can be checked online for free. When you check your credit score it will be helpful for you in two ways one it is accurate or not and you will be able to keep check on the identity theft. There are some points which should be checked for:

Carefully review for the basic information - name, address, previous addresses and social security number. It's important to make sure all this information is accurate so that creditors can easily access your report when you apply for a loan. It also helps ensure your accounts don't get mistaken for someone else's. If you've worked hard to keep your credit history squeaky clean.

The types of notations--charge-offs, defaults or internal collection--mean your account is not currently in good standing. . If you see one of these notations on an account, and you've been paying regularly, make sure you contact the creditor to have the error fixed.

Look carefully to make sure every account listed on your credit report is one you actually own. Check credit cards, revolving loans and regular loans to ensure that you are the borrower or owner of that account. An extra account that you don't recognize is a red-flag warning sign of identity theft, and it may mean a thief has obtained your information and opened a line of credit in your name. If you see an account that doesn't belong to you, contact the creditor and the credit reporting agency immediately to close the account.

Be smart and keep check on the credit report so that you can keep eye on damaging errors or identity theft.