Identity security Tacoma

You can do everything right and not see the results you want the next morning. I doubt anything significant has changed in your credit history.

If it had, you'd see more than an eight-point drop in your score.

Maybe you had a slightly higher balance on an account identity security Tacoma when one of your creditors filed a report this time. Don't worry, 762 is still an excellent credit score. People have a thing about being graded, says Kim McGrigg, communication specialist for Money Management International.

Now that we can check our credit scores as often as we want, it's easy to worry too much. McGrigg identity security Tacoma tells about a man who recently asked identity security Tacoma her why, despite the most strenuous efforts, he couldn't get his score above 812! (The average credit score is closer to 700.) In the old days, credit reporting was an opaque process. Consumers usually didn't know what was on their reports until they applied for a loan.

They could be sitting at the car dealership, identity security Tacoma expecting to drive their new car home, only to be turned down for a loan. Your keys to getting into the 700-plus credit score club Having a solid credit history with a credit score over 700 will open doors to money-saving opportunities -- from low-interest mortgages and loans to lower APR credit cards, better insurance rates and even jobs. online free credit report Here are a slew of tips that can help get you and keep you in the 700-plus credit score club. Having a solid credit history with a credit score identity security Tacoma over 700 will open doors to money-saving opportunities -- from low-interest mortgages and loans to lower APR credit cards, better insurance rates identity security Tacoma and even jobs. Here are a slew identity security Tacoma of tips that can help get you and keep you in the 700-plus credit identity security Tacoma score club. Now the whole process is transparent, identity security Tacoma which is a huge improvement. Consumers can see their credit reports and every detail on them. Knowing what's on their reports, people can dispute errors and see how they can improve their scores. The downside is that consumers can't control every fluctuation in their scores, so it's easy to start overanalyzing.

This isn't necessary, especially for people who already have a good score. online free credit reports Pareto recommends, If you're in the 600s, yes, try to get past 720. One or two points are not going to add tangible value to your life. Some people try so hard to control their credit scores that they lose sight of more important financial goals. Pareto tells about a woman who was anxious to build her credit score. She owed $400 on a card with a 13 percent interest rate. She only paid the identity security Tacoma minimum amount every month because she heard it would help her score to pay identity security Tacoma something off over time. Possibly, but she's going to pay way too much interest that way. Pareto says, It's important not to let the tail wag the dog. According to Pareto, a score of 720 or higher, and certainly anything over 750, is excellent.

She advises, Once you're above a certain level, you're already there. Save the 10 or 15 minutes and go for a walk, play a video game, or play with the kids.

It's a great idea to check your credit report, but keep it in perspective. As McGrigg reminds us, No one's obituary should ever read, 'Stan was well respected by all three major credit bureaus.' Sally Herigstad writes about women and credit every week for CreditCards.com. Herigstad is identity security Tacoma a writer and finance consultant for MSN Money, a personal finance software product. She is also a member of the Washington Society of Certified Public Accountants and the American Institute of Certified Public Accountants. credit reporting Sally Herigstad lives in Kent, Wash., with her husband Gary.

To Her Credit answers a question about a debt or credit issue from a CreditCards.com reader each week.

About Equifax A credit score is an indicator of identity security Tacoma how likely you are to default on a loan or credit card. Your credit identity security Tacoma score is determined by a combination of the following: Things like age, race, color, identity security Tacoma national origin, sex, and marital status do not have any bearing on your credit score.