One of the underappreciated challenges of modern life is keeping track of your credit score. Seemingly small mistakes can shake your credit report score to the core, and if you’re not keeping up on it, you may be blindsided when going for a loan.
If there’s one piece of advice that’s applicable across the wide spectrum of problems any business can have, it’s to be prepared. That’s doubly true for credit scores, but you may not be sure how you can effectively manage your score and keep up on it.
I’m here to give you just a little bit of helpful advice in that regard. Let’s hit the list.
Tracking Credit Scores
- Get your credit reports from all the major bureaus. That includes TransUnion, Experian and Equifax, and you can find their contact information here. Remember that you can get one free report per year from all three, so either bring them all in at once or space them out to keep track of your reports.
- If you make your payments on time, don’t rack up huge credit card debt and avoid other such common mistakes, your credit should not drastically change. If you accidentally whiff on a payment, make it a priority to check your reports immediately.
- Don’t pay unless the need is dire. A variety of sites out there promise free or cheap credit reports but actually charge quite a bit. Avoid those sites at all costs.
How do you keep track of your credit scores?
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