Identity security Philadelphia

One bank wouldnt even let me open a identity security Philadelphia checking account. So I got a credit card from the bank Ive used since I was 13. I several more month I hope to get a rewards card and use that instead. Im signed up with CreditNotify, which gives me a free report every year (detailed with score). I dont want to obsess over my score, but what I identity security Philadelphia like about the program is that every 30 days they send me an identity security Philadelphia e-mail about whether or not they found an activity. Of course, they alert me right away if they do see some suspicious activity and ask me to confirm it, which I love. $14.95/month but it definitely comes in handy, especially since Ill be looking for a house next year. I definitely try to check my report at least once a year to make sure there are no errors. free credit report score 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 identity security Philadelphia how much credit you are using vs. how much you actually have (I forget the official name). That is, identity security Philadelphia even if you arent using a credit card, you shouldnt close it as it will probably lower your credit score. how to check your credit Its 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 am a firm believer in keeping tabs on your credit score.

We own several properties and had it not been for our Identity Theft Protection through Pre-paid Legal, we would have never identity security Philadelphia 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 identity security Philadelphia MONTHS. But thats another story.) The point being, had we not been pro-active in watching our credit score, we would never had known. free yearly credit report government And Craig is absolutely correct when he stated that insurance companies, as well as banks, etc, check your credit score. They want to know what risk they are taking on when they ask you to pay a monthly premium and that goes for all lines of insurance, not just auto.