A credit report San Diego

Obsessing will cause you to open a bunch of accounts you dont need and do crazy stuff to try to get that score up. I do; however, strongly recommend checking your credit report each year. The main reason is to check for any errors or signs that someone might be opening accounts in your name. My wife and I a credit report San Diego dont borrow money so Im waiting for a credit report San Diego my score to get to a point where it doesnt exist anymore.

If you look at a different company each time (Experian, EquiFax, Transunion) you can get a report every four months only using your free anual check. I find it helpful and the first time I did it a little over a year ago I found a few errors. I found out quickly upon moving away for college that having no credit history at all is a bad thing.

One bank wouldnt even let me open a checking account.

So I got a credit card from the bank Ive used a credit report San Diego since I was 13. I several more month I hope to get a rewards card and use that instead. Im signed up with CreditNotify, which gives me a free report every year (detailed with score). I dont want to obsess over my score, but what I like about the program is that every 30 days they send me an e-mail about whether or not they found an activity. free annual credit report from government Of course, they alert me right away if they do see some suspicious activity and ask me to confirm it, which I love. $14.95/month but a credit report San Diego it definitely comes in handy, especially since Ill be looking for a house next year.

I definitely try to check my report at least once a year to make sure there are no errors. As for my credit score I am not as concerned about it because we already own a home and do not plan on opening any more credit in the near future (hopefully never again!). As long as you are paying your bills on time, and paying off your credit card each month, your credit score should be just fine. One other factor to take into consideration is how much credit you are using vs.

how much you actually have (I forget the official name). That is, even if a credit report San Diego you arent using a credit card, a credit report San Diego you shouldnt close it as it will probably lower your credit score. the free credit report

Its easy to think that your credit doesnt matter if you dont rely on credit cards. But what if you lose your job or need a loan then it matters. And better to be a step ahead, and check it before you need it, just in case there are any errors. I am a firm believer a credit report San Diego in keeping tabs on your credit score. We own several properties and had it not been for our Identity Theft Protection through Pre-paid Legal, we would have never known that Bank of America had posted several 30 and 60 day late notices on our credit score when we had never missed a payment! (Although we contacted BofA immediately after the first posting, they continued to post late notices for MONTHS. But thats another story.) The point being, had we not been pro-active in watching our credit score, we would never had known. And Craig a credit report San Diego is absolutely correct when he stated that insurance companies, as well as banks, etc, check your credit score. They want to know what risk they are taking on when they ask you to pay a monthly premium and that goes for all lines of insurance, not just auto. Identity Theft Protection with Pre-Paid Legal is only $9.95/month, and covers not only your credit score (financial: credit card, loans, etc), but ID theft regarding your drivers license, medical records, social security a credit report San Diego number, address, and more. free credit report in canada With a free credit report, you can spot inaccuracies and old credit marks that havent fallen off your record. Removing these errors is a fantastic way to raise your credit a credit report San Diego score, saving you money in the long-run.