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Shape the financial possibilities of tomorrow, with the tools needed to manage your credit wisely today.
 

What Is Your Credit Score?

How you manage your credit affects greatly the cost you will pay for many things. The price of financing homes, auto's, credit cards, obtaining insurance and more are all affected by your credit.

What can I do? Living below your means, saving, and paying your bills on time will go along ways but, it wont assure you of the credit  you deserve. You need to know what's being reported to your credit bureau, by whom, and who's checking your credit out. ShopMyLoan.com recommends that you check your credit at least quarterly, monthly is better. You may also wish to consider a credit monitoring service that will notify you of inquiries and negatively reported information. If you would like to view your credit for free, and receive a free credit monitoring trial as well
CLICK HERE No points will be deducted from your credit score when accessing your credit here.


 
 

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Tips of the Month

 

Keep your balance to limit ratio on your credit cards under 25% this alone could improve your score by 50 to 70 points! 

Don't add a consumer statement to your credit file. Negative credit stays on your report for seven years. Consumer statements stay for ten.
Credit Myths:
1 Marrying someone with bad credit makes your credit bad. Credit files are kept on individuals not couples. Only credit that people are jointly obligated for will report to both of their credit bureaus.

2 Checking your credit lowers your score. Check your credit with one of the major credit bureaus directly. By checking your credit directly with the bureaus no points will be deducted from your score. To receive a FREE copy of your credit report directly from a bureau with no points deducted CLICK HERE

 
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