Credit reports and scores Augusta

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by Craig Ford on October 6, 2010 Last week I did something I’ve credit reports and scores Augusta never done before.  I used Credit Karma to get a free credit reports and scores Augusta credit score and report.  That was the first time in my life that I’ve ever checked my credit report or even had an interest in checking it. Why? I’m becoming more and more convinced that your credit reports and scores Augusta credit score matters. For several years I’ve enjoyed the game (yes, I credit reports and scores Augusta know it’s a game) of getting credit card rewards bonuses for signing up for new credit cards.  Despite what many think, I personally think there is actually a financial value in doing so.  At the very least, it’s a fun hobby.  Over the last four years, our family has enjoyed around 25 free hotel nights from signing up for credit reports and scores Augusta seven rewards credit cards. Most recently, I signed up for a credit card that will give me 75,credit reports and scores Augusta 000 bonus American Airlines AAdvantage points.  That’s more than enough for a free trip from North America to Europe. how to obtain a free credit report

I never considered my credit score because I’ve always heard Dave credit reports and scores Augusta Ramsey say it doesn’t matter. I credit reports and scores Augusta was recently reading an article about how applying for credit cards impacts credit reports and scores Augusta your credit score.  In the article, the author suggested you not try and get new credit cards within two years of buying a home (credit reports and scores Augusta assuming you plan to borrow money).credit reports and scores Augusta   I wondered what I was credit reports and scores Augusta really doing to my credit by credit reports and scores Augusta signing up for 1-3 credit cards each year.  I decided the only way to know was to check and monitor my credit score. There is a possibility that within 2-3 years we may get a home credit reports and scores Augusta mortgage, and I thought that no credit card bonus would be worth jeopardizing my ability to get the credit reports and scores Augusta best available rate on a home mortgage. credit fraud protection By ignoring my credit score I thought that I may be financially penalizing myself. I tend to think of credit scores like I do college professors.  Every teacher graded according to certain preferences.  When I wrote a term paper, I’d write according to that grading standard (even if I didn’t like it).  I feel the same way about my credit score.  Since so many companies use a credit score as a type of grade or standard, I figure I may as well do what they ask to maintain a good credit score. Your credit score is a popular way to measure your level of responsibility.  As such, people will decide how to professionally interact with you based on your credit score.  They could be a landlord, a cell phone company, or an auto insurance company.  By monitoring your credit report you can repair any credit report errors. The statement, “your credit score doesn’t matter” is only true assuming you fully (without exception) operate without debt.  In addition, you will need to be willing to pay more for certain items and deal with some additional hassle. How can a poor credit score be more expensive? You will find that some auto insurance companies determine your rates credit reports and scores Augusta based on your credit report.  Sure, one could boycott any such companies, but if they have the lowest rate, you do need to credit reports and scores Augusta realize that you are paying more because you’re ignoring your credit score. how to get free annual credit report How can a poor credit score be more hassle? You will need to find companies or individuals within the company who are willing to manually review your application.  That does add an extra level of hassle.