These are The First Steps You Need To Take To Get Your Credit Score Under Control! If I asked you what your credit score was, could you answer me? Do you even check it regularly? Not only should you know your credit score, but you need to be monitoring it and looking for ways to raise your credit score so you can improve it, daily, monthly, and annually!
Because if you did not know already why your credit score is important it can impact: Loan Approvals, Interest Rates, Credit Card Approval and Limits, Renting a Home or Apartment, Insurance Premiums, Employment Opportunities, Utility Deposits, Security Deposits for Services, Financial Opportunities, Financial Health, and more…
How To Monitor Your Credit Score
But, before you worry about ways to raise your credit score, you need to know what it is and how to monitor it. There are a few steps I take to do this…
Credit Reporting Agencies
There are 3 Major Credit Reporting Agencies:
- Equifax
- Transition
- Experian
Credit Monitoring
- You are allowed a free copy of your Credit Report annually.
- You can also use services that help offer credit advice and prequalified cards like Credit Karma.
How to monitor your credit score?
- Sign up for “FREE” Experian Account via Desktop AND
- [DOWNLOAD] Mobile App
- Sign Up for “FREE” Credit Karma Account via Desktop AND
- [DOWNLOAD] Mobile App
- Request those reports and check them for mistakes: payments marked late when you paid on time or negative information that’s too old to be listed.
- Dispute Credit Report Errors To Get Them Removed! – A mistake on one of your credit reports could be pulling down your score.
Why Credit Is Important?
The better your credit history and higher your credit score the better your chances are of:
- getting approved for an RV Loan &
- the Best Terms (lowest Interest Rates = Lower Payments).
- This can also impact the amount of any down payment required by your lender!
About Me:
Hi, if we haven’t officially met I’m Blogging Brandi and this is my Money Blog! I am an ex-corporate Kool-Aid Drinker, Born to be a Blogger, Creator, and Entrepreneur. I also LOVE my dogs and RV a lot! Plus, I have a background in Accounting, Investments, and a Finance Degree! So, I kinda, maybe, sorta, might know a thing about money! Check out the About Page for all the details! 😉
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Hi, if we haven’t officially met I’m Blogging Brandi and this is my Money Blog! I am an ex-corporate Kool-Aid Drinker, Born to be a Blogger, Creator, and Entrepreneur. I also LOVE my dogs and RV a lot! Plus, I have a background in Accounting, Investments, and a Finance Degree! So, I kinda, maybe, sorta, might know a thing about money! Check out the About Page for all the details! 😉