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06-23-2016, 08:43 AM #1
How often do you check your credit score?
I'm coming clean. I've never even ordered a free credit report. And I never check my score. But I'm feeling like that may be a bit responsible.
So how often should I be checking my score? And is it worth paying for a service?
Please let me know what you are doing.
06-23-2016, 10:07 AM #2
I get my credit score every month from Capital One - but its free. And Discover and Amex also offer this. Probably other issuers as well.
06-23-2016, 11:09 AM #3
Now more than ever you should be checking your credit score and trying to sniff out suspicious activity.
Use the FTC site to get your free score every 4 months, and just rotate through the three credit bureaus so you never have to pay. (You get one free report from each every year.)
This will not give you your score, but you may only want that if you are planning to apply for a loan.
06-24-2016, 10:26 AM #4
I check my report one time per year. Sometimes two. But I do not have many accounts. If you have more than six credit cards, you should think about checking 2x - 3x per year.
06-25-2016, 07:38 PM #5
I check fairly frequently. But I have been working a long time to get my credit back, so it got to be a habit.
06-28-2016, 01:44 PM #6
I do not check my score that often. But I watch my credit report like a hawk. I've just heard too many horror stories. So I definitely check my free credit reports every 4 months to stay on top of things.
Also, if you are concerned about identity theft, you may want to consider putting on a fraud alert. Here is a post taking a look at credit freezes and fraud alerts, if you want to learn more.Bad Credit? Read This >> The Ultimate List of Resources For Building Your Credit
06-30-2016, 09:07 AM #7
I also use all my free credit reports every year. Why not. And it helps in early detection of any fraud.
I don't check my credit score unless I know I'll need a loan. Which is pretty infrequent. But I definitely checked it out before getting my car. Just to make sure I would not have any issues. Besides that, I really just let it be. But I also kicked the credit card debt habit. And once you do that a decent credit score follow.
07-05-2016, 05:02 PM #8
Thanks for the thoughts. I guess I am more concerned about the contents of my report than the number of my score. And I don't know why I never think about the free credit scores - so thanks for reminding me. Sounds a lot better than paying for a service.