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Offering Credit Solutions Since 2002
Myth: Checking your score online lowers your credit score
This is false.
When you check your credit history from a credit monitoring service this is not counted against you. It is actually a responsible thing to do; it is recommended that you check your credit history at least two times a year. This helps to remove inaccuracies and detect credit fraud earlier.
Too many Inquires from outside companies will lower your score. For example, if you decide in one month that you will apply for a Sears card, a gas card from Shell, a pre-approved American Express offer you got in the mail, and a Visa card at the ballpark because they gave you a beach towel with your team's logo on it, then your score will lower. This to you may seem like just ordinary life decisions, but to the credit industry you may be deemed as a risk. Having too many inquiries can be perceived as this person needs money fast and might not be financially stable. A month later you might decide to buy a car; you may pay a higher interest because your score lowered. Usually after six months of no inquires your credit score will return to normal.
Possible Signs of Credit Fraud and Identity Theft
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You stop getting your bills. The reason this could happen is that a thief changed your billing address.
You stop getting your bills. The reason this could happen is that a thief changed your billing address.•Bills are arriving for credit cards you did not open.
Bills are arriving for credit cards you did not open.•Your credit card company has either contacted you or put a temporary hold on your account because they perceived unusual activity on your account.
Your credit card company has either contacted you or put a temporary hold on your account because they perceived unusual activity on your account.•You have good credit but get denied when trying to open a new credit card or denied new cell phone service after a credit check.
You have good credit but get denied when trying to open a new credit card or denied new cell phone service after a credit check.GoFreeCredit.com is a revolutionary site which gives you instantaccess to your credit report. You will find solutions to improve yourcredit rating and maximize your purchasing power. Sign-up today!
- Unlimited access to your Credit Report for 60 days online
- Automatic notifications of changes to your credit report
- A detailed personal analysis
- Details on who has reviewed your report
FREE credit report and score with a FREE 7-day Experian Triple Advantage Monitoring trial. Check & dispute possible inaccuracies. Will not lower your score. Detect critical changes and potential identity fraud. Monitor your credit report to help catch ID fraud early. Order yours now!
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