One of my goals for the month was to check my credit report. The best place to get your full report is through AnnualCreditReport.com. You are allowed to get your report for free once a year, and this site will enable you to do exactly that. It only took me a few minutes to bring mine up yesterday morning.
What your credit report won’t show you is your credit score – at least not for free. It looked like I’d have to pay about $7-$10 for each of the credit bureaus’ scores.
I wanted to share a free resource for getting your credit score and monitoring it – Credit Sesame. I’ve been using this tool for several years now.
Unlike other “free credit score monitoring” sites out there, Credit Sesame does not require a credit card at signup because there is no cost, nor are you signing up for some sort of service that’s going to start dinging you once you’re out of a trial period. I was particularly interested to sign up for this service because we were working to pay off our debt as well as refinance into a lower-rate mortgage, so I was curious to track our credit score over a period of time.
A few other things about Credit Sesame:
- It’s secure. Credit Sesame uses bank-level security practices for safeguarding the information you share online.
- Free tracking & alerts. Credit Sesame will automatically track and update your credit score every month. You can also opt to be notified of any changes.
- Free tools. While I primarily use Credit Sesame for the credit score feature, there are lots of other tools you can take advantage of on the site such as financial goal-setting tools, home value estimators, plus notifications of better loan/credit card offers should they come up.
To get started, just head on over to Credit Sesame.
Incidentally, our financial goals this year include continuing to work on our budget as a team and growing our savings. What financial goals do you have for 2016 (and beyond)?