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Old 07-23-2010, 09:17 AM
 
Location: Los Angeles area
14,017 posts, read 20,856,158 times
Reputation: 32530

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Quote:
Originally Posted by dmarie123 View Post
Hahaha. It's easy, it only takes 20 seconds for me to login to my service. I am not "smart" about protecting my identity. I don't shred any bills, and throw everything in a public dumpster at my apartment complex. Yeah, I know, dumb. I guess that's why I am always checking my credit... to make sure that there are no surprises. About 10 years ago, I went through a divorce. He had opened a credit card in both our names without our knowledge. He moved to Korea and kept having all our bills for all credit cards forwarded there, and then wouldn't pay them. My credit was a mess. I spend about two years disputing, waiting for late payments to fall off, paying down balances, and saw my score regularly going up. It was kinda fun to see it change so much as my situation changed. I think it just created a habit for me.
Makes sense to me now. We have very different situations, which explains the differences in approach to checking our credit scores.
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Old 07-23-2010, 02:33 PM
 
2,888 posts, read 6,517,530 times
Reputation: 4653
Quote:
Originally Posted by Escort Rider View Post
This is the first time I have ever heard of anyone checking a credit score once a week. What is the cause of this compulsiveness?
If you are waiting to purchase a home, it is beneficial to wait until your score jumps up to the next level. My interest rate dropped half a percent once my score jumped the 700 mark.

It pays to be compulsive when planning for a large loan.
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Old 07-23-2010, 08:45 PM
 
Location: Los Angeles area
14,017 posts, read 20,856,158 times
Reputation: 32530
Quote:
Originally Posted by MissNM View Post
If you are waiting to purchase a home, it is beneficial to wait until your score jumps up to the next level. My interest rate dropped half a percent once my score jumped the 700 mark.

It pays to be compulsive when planning for a large loan.
I understand. Well worth it in that case.
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Old 07-24-2010, 09:02 AM
 
Location: Atlanta, GA
1,209 posts, read 2,241,679 times
Reputation: 886
It doesn't matter much anyhow when your score is already high.

BTW, did you know https://www.creditkarma.com/ is practically the same as Transunion, but daily and free?

I think https://www.credit.com/member/report/report_level_1.jsp is also Transunion, they are free, monthly, and give you a range, less specific a score than CreditKarma, but they have some other detailed info.
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