A credit report Colorado

To Her Credit answers a question about a debt or credit issue from a CreditCards.com reader each week. Ask a question. Dear To Her Credit, Why is my credit score different from one time to the next? I signed up for one of those services that lets you check your score anytime, and I've noticed that my score often changes for no apparent reason. It worries me, even though I know nothing major has changed between then and now. -- Emily Dear Emily, There 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 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 a credit report Colorado significant has changed in your credit history.

If it had, you'd see more than an eight-point drop in your score. Maybe you had a slightly higher balance on an account when one of your creditors filed a report this time. Don'a credit report Colorado t worry, 762 is still an excellent a credit report Colorado credit score. annual credit report free

People have a thing about being graded, says Kim McGrigg, communication specialist for Money Management International. Now that we a credit report Colorado can check our credit scores as often as we want, it's easy to worry too much. McGrigg tells about a man who recently asked her why, despite 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. Consumers usually didn't know what was on their reports until they applied for a loan.

They could be sitting at the car dealership, expecting to drive their new car home, only to a credit report Colorado be turned down for a loan. Your keys to getting into the 700-plus credit score club a credit report Colorado Having a solid credit history with a credit score over 700 will open doors to money-saving opportunities -- from low-interest mortgages and loans to lower APR credit cards, better insurance rates and even jobs. check credit online free Here are a slew of tips that can help get you and keep you in the 700-plus credit score club.

Having a solid credit history with a credit score over 700 will open doors to money-saving opportunities -- from low-interest mortgages and loans to lower APR credit cards, better insurance rates and even jobs.

Here are a slew of tips that can help get you and keep you in the 700-plus credit score club. Now the whole process is transparent, which is a huge improvement. Consumers can see their credit reports and every detail on them. Knowing what's on their reports, people can dispute errors and see how they can improve their a credit report Colorado scores. The downside is that consumers can'a credit report Colorado t control every fluctuation in their scores, a credit report Colorado so it's easy to start overanalyzing. This isn't necessary, especially for people a credit report Colorado who already have a good score. Pareto recommends, If you're in the 600s, yes, try to get past 720. One or two points are not going to add tangible value to your life. Some a credit report Colorado people try so hard to control their credit scores that they lose sight of more important financial goals.

Pareto tells about a credit report Colorado a woman who was anxious to build her credit score. credit reports free online 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 a credit report Colorado help her score to pay something off over time.

Possibly, but she's going to pay way too much interest that way. Pareto says, It's important not to let the tail wag the dog. According to Pareto, a score of 720 or higher, and certainly anything over 750, is excellent. She advises, Once you're above a certain level, you're already a credit report Colorado there. Save the 10 or 15 minutes and go for a walk, play a video game, or play with the kids.