1. Check Your Credit Score Regularly
Habitually checking your credit score is a reliable way to pinpoint financial weaknesses so you can create a solid plan to combat them. Plus, it allows you check for statement errors. To correct any inaccuracies, send a dispute letter to either the credit reporting company or the information provider.
Checking your credit reports will not harm your credit score. Doing this is a soft inquiry — the information is only for you — as long as you request this information from an authorized credit reporting agency. The Fair Credit Report Act requires reporting companies, including Equifax, Experian and TransUnion to provide free credit reports every 12 months.
Related: Your Game Plan for Getting the Highest Credit Score Possible