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Personal Finances / Credit Cards and Consumer Debt


Subject:  Re: Some house cleaning questions Date:  1/2/2013  6:04 PM
Author:  Fuskie Number:  306614 of 312185

CreditKarma has been around for many years. It's Clark Howard approved, so don't feel queasy about providing your SSN. Basically, they provide free score tracking (I update once a month) in exchange for using your score to push credit usage opportunities for you. You don't have to pay any attention to them - I don't - but the site has some great financial tools for you.

You can also look at, a site that lets you get free credit reports twice a year. In addition to your three annual credit reports provided guaranteed to you by Uncle Sam and you have 5 months of the year that you can view your credit report. Space it out every 10 weeks and you have the year covered.

Who notes the number of open accounts is a balancing act where you want to have the amount of credit that best corresponds to your perceived credit worthiness, which is defined by your ability to use that credit responsibly; in other words, it's not just how much credit you have but how you have used and are using it...
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