I was a victim of identity theft that ruined my credit rating in an instant. It took nearly two years to finally clear my name. While it was quite challenging and difficult to endure the process to undo the crime against me, I never gave up and vigilantly contacted financial institutes and credit reporting agencies to remove all the negative reporting. That experience has raised my appreciation for the excellent credit score and lessened the burden to maintain it. It is not difficult to check on the personal credit score on regular basis and highly recommended to follow through it.