It wont change very much during that time, and I dont want to obsess over it. 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 credit agencies Alaska recommend checking your credit report each credit agencies Alaska year. The main reason is to check for any errors or credit agencies Alaska signs that someone might be opening credit agencies Alaska accounts in your name. My wife and I dont borrow money so Im waiting for my score credit agencies Alaska 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 credit agencies Alaska 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 credit agencies Alaska upon moving away for college that credit agencies Alaska having no credit history at all is a bad thing.
One credit agencies Alaska bank wouldnt even let me open a checking account. credit report check free So I got a credit card from the bank Ive used since I was 13. I several more month credit agencies Alaska I hope to get a rewards card and use that instead. Im signed up with CreditNotify, which credit agencies Alaska gives me a free report every credit agencies Alaska year (detailed with score). I dont want to obsess over my score, but what I like about credit agencies Alaska the program is that every 30 days they send me an e-mail about whether or not they found an activity. Of course, they alert me right away if they do see some suspicious activity credit agencies Alaska and ask me to confirm it, credit agencies Alaska which I love. $14.95/month but it definitely comes in handy, credit agencies Alaska especially since Ill be looking for a house next year. your credit report 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 credit agencies Alaska how much credit you are using vs. how much you actually have (credit agencies Alaska I forget the official name). That is, even if you arent using a credit card, you shouldnt close it as it will probably lower your credit score.
Its credit agencies Alaska 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 credit agencies Alaska am a firm believer in keeping credit agencies Alaska tabs on your credit score. yearly free credit report government 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.
