How often should I check my credit score?

Question:

How often should I check my credit score?

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What is a Soft Inquiry?

Question What is a soft inquiry and how does it affect my credit? Answer Inquiries occur anytime a company decides to do a credit check, or “pulls your credit report”.  These credit checks can involve hard pulls or soft pulls, also known as hard inquiries or soft inquiries. Soft inquiries (“soft pulls”) are caused by [...]

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What Should I do if my Identity is Stolen?

What Should I do if my Identity is Stolen? If you believe that your identity has been stolen, you need to take action immediately. But before you do that be sure that your identity was, indeed, stolen. First of all, how are you so sure that your identity has been stolen? Did you notice suspicious [...]

You should keep a close eye on your credit score/profile to ensure that you don’t have any issues arise, unexpectedly. Things such as hard inquiries that you did not authorize, or even new accounts that do not belong to you.

We highly suggest that you check your credit score at least once a month, but it’s best to check it once a week.

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Do Free Credit Scores Hurt Your Credit?

Question: Do Free Credit Scores Hurt Your Credit? Answer: There’s a lot of new free services that exist, and everyone seems to be utilizing them to their advantage, but are they detrimental to your actual credit score, meaning will they hurt your score? In short, no. Many people assume that these services will cost them in [...]

You need to keep tabs on what’s going on with your credit profile, so be sure to sign up for at least one service (many are free!) so that you can control what goes on with your financials, daily, weekly, monthly and yearly. Being notified of any activity on your credit is a great way to keep control over your credit and to ensure that you’re not becoming a victim of identity theft.

There are plenty of free services to keep close tabs on your credit, so there should be no excuses. In fact, most have free apps for smart phones and even tablets as well. CreditKarma, Credit.com and CreditSesame are just a few great examples of such apps that you can download for no charge, and use at no charge, as a credit monitoring and scoring service each month.

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What is a Hard Inquiry?

Question What is a hard inquiry? Does it hurt my credit score? Answer There are 2 types of Inquiries that you may see on your Credit Report. One type of inquiry is called a hard inquiry and the other is a soft inquiry. A hard inquiry is a credit check that is made by a [...]

With services such as CreditKarma you can check your credit score several times a month. In fact, as of this moment, they allow credit report updates every 7 days, which is great for those who are looking to see any improvements after making attempts to clean up their credit report.

Again, be sure to keep close tabs on your credit report with any kind of monitoring service that you choose. These services exist to help you, so use them to your advantage as they do not negatively affect your credit profile or score. These ‘credit checks’ are simply soft inquiries and have no affect on your credit score.

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Can You Get Items Removed From Your Credit Report Immediately?

Question: Is it possible to get negative items removed from your credit report immediately? Answer: Unfortunately, no. Removing negative items will take time to remove as it will require a few days to get your credit repair letters written (by hand, hopefully), mailed by certified mail, and then opened by the credit reporting agencies that have [...]

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