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Credit Score

December 1st, 2012 at 02:29 pm

For the last few years I've been keeping up with my credit score.

Normally I use www.creditkarma.com because it's free and it doesn't impact my credit report. It uses Transunion to give you a score. I also use Experian every now-and-again because I've noticed that it will give you the lowest score out of the three major companies.

The lowest score that I've had (due to financial issues to which I'm no longer married to) was a Transunion score of 517 on March 2009.

Currently my scores are:

Experian: 617 - 1 Dec 2012
CreditKarma: 655 - 1 Dec 2012

*i've paid off a credit card since i received my experian score so it could actually be higher

This just verifies for me that I'm doing the right thing. Not only is my family noticing the stress that I no longer have about finances but through my efforts of paying off bills, companies have noticed as well.

I've had an overall increase of 138!

------------------POSTSCRIPT------------------

I signed up for www.creditsesame.com which I got from creditcardfree (THANKS BY THE WAY!!) and it's free. It uses Experian as the reporting agency. So I've updated the score from Experian above from 567 that was reported on 14 Nov 2012.

Posted in Personal Finance | 5 Comments »

5 Responses to “Credit Score”

  1. creditcardfree Says:
    December 1st, 2012 at 02:50 pm 1354373419
    1354373419

    Keep up the good work...it should only get better! I signed up for Credit Sesame recently, also free, and it uses Experian. My score was higher there than on Credit Karma.

  2. Sian Says:
    December 1st, 2012 at 03:18 pm 1354375115
    1354375115

    I'll check them out right now! thanks!!

  3. Monkey Mama Says:
    December 1st, 2012 at 04:15 pm 1354378513
    1354378513

    +138 = Great Job!!

  4. FrugalTexan75 Says:
    December 1st, 2012 at 10:00 pm 1354399202
    1354399202

    Great job increasing your score!

    One thing though - you checking your credit score does not effect your credit score. It is considered a "soft" hit. It is only when your score is checked by people you're looking to receive credit from (i.e. credit cards, insurance companies, etc.) that it can have an effect.

  5. Jerry Says:
    December 3rd, 2012 at 09:13 am 1354525980
    1354525980

    I had wondered about how checking your own credit score "counts" in the grand scheme of things, and whether it leads to a hit or not... I had heard conflicting reports. Thanks for the clarification, FrugalTexan75. It is important to stay on top of that magic number, but you would want to have some insurance that checking it doesn't count against you in any way!
    Jerry

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