Did you know that your credit score fluctuates all the time regardless of your payment history? Since your credit scores affect the price you pay on your mortgage, auto loan, insurance, rent, utilities, and much more, it’s important to know your score and keep a close eye on it.
And that goes for everyone, even if you think your credit score isn’t bad. According to credit experts, anything under a 760 could result in higher rates.
Here are some easy steps to build, protect or cash in on bonuses with your credit.
Step 1: Get Your Score Right Now
If you have not checked your credit score recently and don’t have a copy of your latest credit report, now is the time to take action. You can check it for $1 and get a 7-day credit monitoring trial membership from Experian on ImportantScore.com right now. Don’t rely on an old score you checked 4 months ago. ImportantScore.com shows your current scores from all 3 credit bureaus as well as your full credit report. Check your scores now.
Here’s Why Knowing Your Real Credit Score Is So Valuable
If you find out you do have a strong credit score, make sure you’re using that good credit to the full advantage. One perk of having good credit is that you can get a credit card that gives you a cash bonus to sign up and gives you cash back opportunities every month.
Apply for the no annual fee Citi® Double Cash Card and earn unlimited cash back on all your purchases. The card also comes with a limited-time $200 cash back bonus after spending $1,500 in the first six months.
You may also be able to start saving money on your monthly expenses. Do you have car insurance? Haven’t shopped it in a while? Your credit score affects those rates too. See if you can save up to $440 a year on your auto insurance with The Zebra. (It’s fast and free.)
If Your Credit Score Is Bad, Make Sure It’s Not A Mistake
First, talk to credit repair experts right now and see if there is any inaccurate credit data on your report. Then, let them help you get those removed so you can improve your score and use it to your benefit.
A recent Consumer Reports investigation showed more than one-third of Americans found at least one error on their credit report which lowered their scores and they didn’t even know about it. That one error could cost thousands of dollars per year.
One great option to ensure your credit report is accurate is Credit Saint. They are one of the top-rated companies in challenging inaccuracies on credit reports and offer a full 90-day money back guarantee. Get your free consultation now to see how they can help. Make sure you’re not paying more for someone else’s mistake.
Build That FICO® Score Up
If you simply need to build your credit scores, start with Experian Boost™*. Increase your credit scores now.
Regular on-time payment history can have a positive impact on your credit scores. Experian’s average member sees a credit score increase of 13 points! Improve your credit scores and also have another way to pay for everyday purchases.
Did You Check Your Credit Scores Yet?
Whether you found out you have a good or not-so-good credit score, these are easy steps you can take to use your credit score to your advantage. Well done!
If you didn’t check your credit scores yet, don’t procrastinate any longer. Now is the time with Experian BoostTM. This opportunity allows you to Get your FICO® Score & Start Improving your Credit Instantly with no cost and no need for a credit card.