Credit Reports and Scores
Your Credit Score
It’s important to know your credit score when you are trying to fix your finances. A good credit score can certainly mean better insurance rates, better mortgage and car loan rates, and it could even help your chances of landing a good job. See your free credit score online with a free trial of this credit monitoring service through IDENTITY GUARD®.
Your Credit Report
Improving your credit score may be as simple as cleaning up your credit report. The best and only truly free place to find your credit report is at AnnualCreditReport.com, where you can check each of your 3 reports once per year. Download your reports and look for errors. When you find errors, alert the credit bureaus to have them removed.
Improving Your Credit
To keep a good score and to improve your score over time, be sure to pay all of your bills on time (pay your credit cards off in full each month if you can), have a good mix of credit lines (mortgage, car loan, credit cards, etc.), and try not to use all of your available credit. Other than that, just be patient. A good score takes time. Good luck!
