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Get Your Free Credit Scores from All 3 Bureaus.

Why do I need to check my Credit Score? A good credit score is your passport to competitive interest rates for mortgages, cars, credit card offers, job offers, insurance premiums and more. A strong score is worth money because it saves you in excess costs.

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Choosing the right credit card with the right features can be an effective tool to increase your score.  It is important to understand how to compare their varying offers.

Weigh out the factors you need when choosing a credit card:

  1. Secured or Unsecured
  2. Fees
  3. Interest
  4. Credit Limit
  5. Rewards

It is always good to be vigilant and watch your credit score.  Sometimes you will see that it increased and more concerning that it dropped.  If you experience a drop of more than 20 points the first thing to do is figure out what happened and take care of what you find.

The best starting point is to pull your credit report from all three credit national credit bureaus (Equifax, Experian, and TransUnion). This is easy to do and free once a year.

I have been working really hard at improving my credit score after some tough times.  I thought I was doing all the right things only to find out that my score decreased. How did paying off my car loan and closing some credit cards hurt my score?  I got mad and then I got educated.

What causes changes in your credit score:

  • Utilization Ratio
  • Age of Accounts
  • Poor Credit Behaviors
  • Not Using your Credit Cards