Check Your Credit
Ensure your credit report is accurate, see who’s been checking your credit, and know what interest rates you’ll qualify for before you apply for new credit. Here, I have picked three of the best credit reporting services available:
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Experian Triple AdvantageOne of America’s largest provider of credit reports and credit monitoring services, Experian Triple Advantage provides a copy of your Experian credit report and score when you try their credit monitoring service for seven days (otherwise it’s $14.95 a month). Cancel the trial at anytime within seven days and keep your credit report and score at no charge. |
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zendough by TransUnionzendough may be a funny name, but TransUnion’s new credit monitoring service is rising on our list because it gets you all three credit bureau scores; a credit, debt, and ID theft risk analysis; and automatic credit alerts for $14.95 a month. (The credit scores are free if you cancel within seven days). |
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MyFICO.comMyFICO.com is the place to get your actual FICO score, the score lenders use more than any other. They also provide a credit report analysis. You can choose to get your score with a 30-day trial of their Website membership (after the trial it’s $99.95 a year) or purchase your score and credit analysis for a one-time charge of $15.95. |
Notes on Checking Your Credit
- Checking your credit will not cause your credit score to go down.
- Your credit report and credit score are related, but different. These services provide both.
- If you sign up for a free trial of services, remember to cancel within seven or 30 days to avoid being charged.
