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They're not alien communications; they're codes that identify the store to the company that processes their credit card payments -- for instance, a merchant ID number, an approval code, a reference sequencing number and sometimes a terminal number to identify which cash register took the payment.

They're generally the same on every receipt issued by the same store.

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Most offer additional data taken directly from your credit reports, while some even offer free daily credit monitoring or free identity protection services.

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You may know them as those annoying scraps of paper that litter your purse or flutter from your wallet at inopportune moments, but receipts for credit card transactions are actually worth paying attention to.

Free credit monitoring is also a great way to track any big changes including fraudulent activity.

There is value in getting an e-mail notification whenever a new account is added to my report. Discounted One-Time FICO Score Finally, if you want a discounted FICO score without having to sign up for a new credit card, you will need both a credit card and sign up for a trial.

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