Get credit report free Philadelphia

She owed $400 on a card with a 13 percent interest rate.

She only paid the minimum amount every month because she heard it would help her score to pay something off over time. Possibly, but she's get credit report free Philadelphia going to pay way too much interest that way. Pareto says, It's important not to let the tail wag get credit report free Philadelphia the dog. According to Pareto, a score of 720 or get credit report free Philadelphia higher, and certainly anything over 750, is excellent. She advises, Once you're above a certain level, you're already there. Save the 10 or 15 minutes and go for a walk, play a video game, or play with the kids. It's a great idea to check your credit get credit report free Philadelphia report, but keep it in perspective. As McGrigg reminds us, No one's obituary should get credit report free Philadelphia ever read, 'Stan was well respected by all three major credit bureaus.' Sally Herigstad writes about women and credit every week for CreditCards.com. Herigstad is a writer and finance consultant for MSN Money, a personal finance software product. free credit reports with score She is also a member of the Washington Society of Certified get credit report free Philadelphia Public Accountants and the American Institute of Certified Public Accountants. Sally Herigstad lives in Kent, Wash., with her husband Gary. To Her Credit answers a question about a debt or credit issue from a CreditCards.com reader each week.

Ask get credit report free Philadelphia a question. Dear To Her Credit, Why is my credit score different from one time to the next?

I signed up for one get credit report free Philadelphia of those services that lets you check your score anytime, and I've noticed get credit report free Philadelphia that my score often changes for no apparent reason. free score credit report It worries me, even though I get credit report free Philadelphia know nothing major has changed between then and now. -- Emily Dear Emily, There get credit report free Philadelphia are three things you should not check every day: Your weight, your stock prices, and your credit score, says Cathy Pareto, an MBA and president of Cathy Pareto and Associates, an investment and financial planning firm. Checking any one of get credit report free Philadelphia these things too often is not only discouraging, but it can make you lose sight of the big picture.

You can do everything right and not see the results you want the next morning. I doubt anything significant has changed in your credit history. If it had, you'd see more than an eight-point drop in your score. Maybe you get credit report free Philadelphia had a slightly higher balance on an account when one of your creditors filed a report this time.

Don't worry, 762 is still an excellent credit score. People have a thing about being graded, get credit report free Philadelphia says Kim McGrigg, communication specialist for Money Management International. secure free credit report Now that we can check our get credit report free Philadelphia credit scores as often as get credit report free Philadelphia we want, it's easy to worry too much. McGrigg tells about a man who recently asked her why, despite get credit report free Philadelphia the most strenuous efforts, he couldn't get his score above 812! (The average credit score is closer to 700.) In the old days, credit reporting was an opaque process.