Online credit report New Jersey

She owed $400 on a card with a 13 percent interest rate.

She only paid the minimum amount every month because she heard it would help her score to pay 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 online credit report New Jersey to Pareto, a score of online credit report New Jersey 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. how to get free credit reports Herigstad is a writer and online credit report New Jersey 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. 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. Ask a question. Dear To Her Credit, Why is my credit score different from one time to the next? I signed up for one of those services that lets you check your score anytime, and I've noticed that my score often changes for no apparent reason. new free credit report It worries me, even though I know nothing major has changed between then and now. -- Emily Dear Emily, There are three things you should not check every day: Your weight, your stock prices, and your credit score, says online credit report New Jersey Cathy Pareto, an MBA online credit report New Jersey and president of Cathy Pareto and Associates, an investment and financial planning firm. Checking any one of these things too often is not only discouraging, but it can make you lose sight of the big picture. You can do everything right and not see the results you want the next morning. I doubt online credit report New Jersey 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 when one of your creditors filed a report this time. free annual credit report gov Don't worry, 762 is still an excellent credit score. People have a thing about being online credit report New Jersey 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 tells about a man who recently asked her why, despite the most strenuous efforts, he couldn't get his score above 812!