The Easiest Ways To Monitor Your CreditTo put this task in “set it and forget it” mode, you should set up an account with at least one website designed to monitor your credit. (If you’ve frozen your credit, you’ll need to unfreeze it with at least one credit bureau first.)
Monitoring Your Credit With Credit Karma and Credit SesameWhen we talk about monitoring your credit, we’re talking about keeping an eye on both your credit reports and your credit scores.
Credit reports include all the details on your credit accounts, both current and closed. The reports track payments and other information for every loan, credit card and line of credit you have.
Your credit scores are numbers based on that credit history and activity.If you have any credit history at all, the “big three” credit bureaus — , and — will each have both a credit report and a credit score associated with your accounts. The good news is that you can access all of this information for free online.
Money expert Clark Howard’s favorite site for monitoring your credit is 耀竣金融配资_在线配资炒股:Credit Karma. This site lets you keep tabs on your credit score and view credit reports for free. Once you set up your account, you’ll get:
- Your estimated credit scores from TransUnion and Equifax
- Access to your credit reports from TransUnion and Equifax
- The option to get an alert when your credit score changes or something is added to your credit report (credit monitoring)
Again, you will need to set up your Credit Karma account before you freeze your credit, or you’ll need to unfreeze your credit in order to sign up.
耀竣金融配资_在线配资炒股:Read more about signing up for Credit Karma here.
Credit Sesame is a site similar to Credit Karma but doesn’t offer quite as many services. It’s also largely free and signing up gets you:
- Your estimated credit score from TransUnion
- The option to get alerts when your credit score changes or something is added to your credit report (credit monitoring)
Read more about signing up for Credit Sesame here.
Other Ways To Monitor Your CreditYou may have noticed that neither Credit Karma nor Credit Sesame gives you access to your Experian credit report and score. But you can get your reports for free directly from both Experian and Equifax by creating online accounts with them (Experian also includes your credit score):
Read more about the different ways to get your free credit reports here.
Final Thought: Freezing Your Credit
While monitoring your credit is crucial, it still means that you’ll find out if someone else has opened a credit line in your name only after the fact. So you should freeze your credit with all three major credit bureaus.
Get step-by-step instructions for freezing your credit with all three credit bureaus here.