conversation: User (SaxMastahh): "Hey guys, I just decided to randomly check my credit score when I noticed that it went down a little slightly, 14 points. I went to see why, and it doesn't show anything different, other than the fact that my open accounts went from 2 to 3. One being my student loan, one being my credit card. I tried pulling up my credit report to see what it was, (I'v never pulled one up before) and every single one failed saying "A condition exists that prevents ____ from being able to accept your request at this time." I'v spoken to my family just to be sure it wasn't them who opened an account under my name, and I'm sure it wasn't them. One thing to note is that I did lose my wallet about 6 months ago with my licence in it. Should I be worried? Before posting this I even attempted to put a fraud alert on my name, but even that automation doesn't work and says I need to mail a request in."
  Self: "Try signing up for something like Credit Karma. Its good to monitor, free (they make money off of adds and recommending credit cards), and you can quickly see what the open accounts are, and continue to monitor."
  classicfavorite (classicfavorite): "Second this. Credit Karma uses Transunion and Equifax. Experian has their own app to pull their file for free too.  I have both set up for my wife and I."
  HumiliationsGalore (HumiliationsGalore): "And the app is called......?"
  classicfavorite (classicfavorite): "Experian..."
  