You can sign up today to receive free credit monitoring services from the credit bureau TransUnion due to a settlement the company reached on a class-action lawsuit. There is no trick, no fees, no requests for money or credit card. You merely go to the Privacy Action Website and decide if you would like to participate and how you would like to participate.

According to CNN

You may be eligible for these services if you had an open line of credit from January 1, 1987 until May 28, 2008. That means if you received a car loan, opened a department store credit card or took out a student loan in the past 21 years, you’ll qualify.

This credit monitoring service will give you unlimited access to your credit report and your TransUnion credit score. You’ll also get a notice by e-mail if there have been any significant changes to your credit report, like delinquent accounts or if someone tries to open an account in your name.

There are two kinds of service that you can choose:

Basic service: This would provide six months of the credit monitoring service with unlimited access to your TransUnion credit report and TransUnion credit score. According to the settlement, this has a retail value of $59.75. If you select this service, you’ll also be able to apply for a cash payment from the settlement fund.
Enhanced service: This would provide nine months of credit monitoring services, plus a mortgage simulator service. This simulator lets you see what your mortgage rate would be based on your credit score. The service also includes access to your insurance score. This is the score that some insurance companies use to determine your rate. This option is valued at about $115.50. If you select this option, you will not be eligible for a cash payment.

In either event, you get to continuously monitor your credit absolutely free, and in these difficult times, it is very important to do so. So, sign up at the claim website. It only takes a few minutes.