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Monitoring your own credit score can help you head off financial issues before they become worrisome woes. Plus, it keeps you in the know about your own credit, reducing the risk of unpleasant surprises when you apply for loans or other services.
There are a lot of free options for monitoring
your credit—for example, Credit.com’s free Credit Report Card shares
your Experian credit score and personalized credit tips and offers. Credit.com
also provides an offer from ScoreSense on our site, for a free seven-day trial
in their comprehensive three-bureau product. Find out why you need to monitor
your credit and how ScoreSense® can help you do it.
Many people know they should check their credit
before applying for a loan. That lets them know what options they might qualify
for and if they need to attend to any outstanding issues before seeking credit.
But why wait until you need a good credit score to make sure you have one? Monitoring your
credit on a regular basis helps you make smart
money decisions that have a positive impact on your credit.
And good credit can help with many things in life:
ScoreSense is a membership-based credit-monitoring
product that provides you with your credit scores and credit reports from all
three credit bureaus, daily monitoring and credit alerts, and tools to help you
make sense of your scores.
With ScoreSense, you see the credit scores that
are being reported by each of the three credit
that you actually have multiple credit
scores and that they are always changing. The score
you see today won’t necessarily match the score a lender sees or the credit
score you see next month, as new information reported by lenders and other
factors can change your scores.
Your score is also only as accurate as the
information in your credit report. If you check your score and feel
that it isn’t right, look carefully at your credit report. There may be an
incorrect item reported to the bureau that is bringing your score down. You
have a right to dispute
that item, and the credit bureau must investigate and
correct the item if the lender doesn’t provide documentation to substantiate
Many options for getting your credit scores
exist. In fact, you can get your scores for free via some services online, and
you are legally allowed one free
credit report from each credit bureau every year.
But paying for a product like ScoreSense has some benefits that free credit reports don’t.
You can try ScoreSense for free for seven days.
After the trial period, you’re charged $29.95 per month. Since you provide your
payment details at the time you sign up for the trial period, the paid
membership starts automatically unless you cancel it. That means after seven
days, your credit card or bank account will be billed.
You can cancel your ScoreSense account at any
time, including before your trial period ends, before you’re billed for the
first month of service. Cancel the account by chatting with a ScoreSense
representative online or by calling 1-800-972-7204.
You can monitor your credit through a wide range of services and apps. When choosing a service that’s right for you, consider how you want to interact with the information and what type of additional support you might need.
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