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•Periodically Checking Your Credit Score Can Save You Big Money
Your credit score changes every thirty days therefore you should periodically check it to ensure accuracy. Each one of your creditors reports your monthly pay habits and fluctuations in the amounts you owe them. Since creditors report any changes with your credit report every 30 days, you should probably check your credit once quarterly. We've heard some people say to check it monthly but feel that is a bit obsessive compulsive.
You are probably thinking why in the world would I want to...
•Do You Need a Free Credit Report
? You're not thinking of making any major purchases in the near future, so do you really need to get your free credit report? Can't you just wait until you're ready to buy a house or a car?
Yes you do need that free credit report, and no, you really can't wait. There's too much at stake.
In 2008 over 10 million people were victims of identity theft. And far too many of them had no idea that they'd been victimized until they tried to obtain credit - or until they got a cranky letter from the...
•Before You Go House Hunting You need your free credit report
You may be thinking Why do I need my free credit report right now when my lender is going to get it before I can get a loan?
Because you need to be prepared. You need to know what that credit report says and how your credit scores stand before you talk to any lenders.
That's because every time a lender checks your credit on your request, your credit scores take a little hit. You should never let any lender, landlord, or service provider check your credit until you are ready to move forward....
•More Credit Score Myths
Most of us don't understand or know what makes up our credit score. Your credit score is the most important piece of information in your financial life. Landlords, lenders, insurance companies, electric companies and potential employers all have your credit score under the microscope.
With that being said, you should probably check your credit scores on a regular basis. Check it for errors, potential identity theft and improve your scores over time. The secret to a better credit score is to...
•Identity Theft Could Steal Your Credit Rating
If you aren't checking your credit report regularly, you could be wracking up bills and late payments that will plunge your credit scores to the bottom of the barrel.
Identity thieves have two primary methods of using your identity that will quickly destroy your financial reputation: Using your existing credit cards and Opening new credit accounts.
You've read that you shouldn't close unused credit card accounts because the more available and unused credit you have, the better your credit...
•Buying a Car First you need your Free Credit Report
Buying a Car? First you need your Free Credit Report Ordering your free credit report is probably the last thing on your mind when you're yearning for a new car, but unless you're going to pay cash for that new car, it is something you should do before you start to shop.
You know that at least 25% of all credit reports contain errors. Making sure that your credit scores aren't being pulled down by some stranger's negative information is reason enough to take the few minutes to order a...
•Credit Freezing an Anti Identity Theft Measure to Consider
Keeping your credit report available to retailers, landlords, and potential employers means that it is also available to identity thieves.
Why do they want it? For one thing, so they can see if you have unused credit card accounts. If so, it's a simple thing for a skilled thief to submit a change of address to that card issuer and begin using your card without your knowledge.
And of course, a thief with your identity can do all the usual things that trigger a credit check. For instance, they...
•Are All Free Credit Report Offers Created Equal
? I recently searched for my free credit report on line and found that there are more than a few programs out there offering it. What i did not know were the differences between them. We've all seen the attention grabbing commercials with the guy in the pirate hat, playing the guitar, driving the jalope. Becuase is credit was wacked, now he's driving off the lot in a used sub compact. I'm referring to the freecreditreport.com ads. A few others have surfaced with Ben Stein as the front man but...
•You Need Credit Scores With a Credit Report
I recently logged on to annualcreditreport.com to get my once a year free credit report but to my surprise there were no credit scores. In case you didn't know, everyone is entitled to their free credit report once every twelve months at http://www.annualcreditreport.com/. If you too have been there then you know that your credit report did not come with your credit scores. Just about everyone these days is looking at your credit so shouldn't you know what they are? This magical three digit...
•Identity Theft Are You Letting The Thieves Get Away With It
? How often do you check your credit report? For far too many consumers the answer will be Only when I want a loan. That means that identity thieves can use your credit and your good reputation for months or even years before you discover their activities.
You might not notice at all until you find your bank account empty. Or, you may receive a notice from the IRS denying your tax refund because it has already been paid - or worse, asking why you didn't report ALL of your income for the year....
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