{"id":2791,"date":"2018-08-07T17:03:02","date_gmt":"2018-08-07T14:03:02","guid":{"rendered":"https:\/\/www.lending-express.com\/blog\/?p=2791"},"modified":"2021-08-22T14:03:59","modified_gmt":"2021-08-22T11:03:59","slug":"how-often-you-should-check-your-credit-score","status":"publish","type":"post","link":"https:\/\/www.become.co\/blog\/how-often-you-should-check-your-credit-score\/","title":{"rendered":"How Often You Should Check Your Credit Score"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Unless you&#8217;re applying for a credit card or a loan, your credit score is probably the last thing on your mind. Some people are hesitant to check their score as they\u2019re afraid of what they may find, a bit like stepping on the scales after Christmas meal, but you need to know those numbers regularly to know where you stand and how to keep your credit (and yourself) in good shape. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re wondering \u2018how often should I check my credit\u2019, in short, you can check your score as often as you want. But just because you can check your score often doesn\u2019t necessarily mean you <\/span><i><span style=\"font-weight: 400;\">should<\/span><\/i><span style=\"font-weight: 400;\">. Before we get into the ifs and the whens let\u2019s talk about the why. Why is taking a peep a good idea in the first place? Keep on reading to find out&#8230;<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Why should you check your credit report?<\/span><\/h2>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">To make sure your information is accurate<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">To know your financial health <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">To keep your credit in good shape <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">To gain insights as to what harms and helps your credit score<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">So that you have no nasty surprises when applying for a loan <\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Credit report vs credit score<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Before delving into your credit score checks you\u2019ll need to get your head around the difference between your credit report and credit score &#8211; don\u2019t worry, it\u2019s a common misconception, so we\u2019ll clear that up for you. <\/span><\/p>\n<p>&nbsp;<\/p>\n<blockquote>\n<p style=\"text-align: center;\"><i><span style=\"font-weight: 400;\">Your credit score is a number that <\/span><\/i><b><i>reflects <\/i><\/b><i><span style=\"font-weight: 400;\">the information in your credit report at a certain point in time and can fluctuate as often as daily.<\/span><\/i><\/p>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s the lowdown on credit report vs credit score: Your credit report will contain a mix of your balance history, payments, accounts, inquiries and more. You&#8217;ll only have something on your credit report if you have a credit card or a loan of some sort. Now your credit score differs, it&#8217;s a reflection of your credit report all summed up into one neat number ranging from 300-850 &#8211; and as you&#8217;re probably well aware, the higher the better.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">How often should I check my credit score<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The amount that you check your credit score differs from person to person. For the average Joe, you should be checking your credit score at <i>least <\/i>once a year or better yet, quarterly (every four months). Unexpected changes to your credit can pick up issues you may not have been aware of and the quicker you detect those issues, the easier they are to treat. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>For the following reasons you should check more often:<\/b><b><\/b><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">In the process of applying for a loan<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Applying for a mortgage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Applying for credit <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Are working to rebuild your credit<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">If you think you were victim to identity theft\/data breach <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Applying for a job (employers sometimes check reports)<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For the above reasons, you\u2019ll want to take a peek more often to keep track of what&#8217;s going on. Now we don\u2019t advise checking every day. Daily checking can lead you to obsess over the fine details, those small fluctuations that are pretty much meaningless (though only meaningful if you\u2019re on a borderline of a credit score range). Remember, your credit score can fluctuate on a daily basis so you\u2019re better off taking a small step back, looking yearly, quarterly or monthly to better gauge the trends.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Make sure when comparing trends that you&#8217;re comparing the same credit score each and every time. There are actually hundreds of models, so don\u2019t get yourself worked up about small fluctuations. If there&#8217;s been a significant change, be sure to pinpoint why that is and make sure that all the details are indeed correct (you\u2019d be surprised at how many mistakes are often found).<\/span><\/p>\n<p>&nbsp;<\/p>\n<blockquote>\n<h4 style=\"text-align: center;\"><a href=\"https:\/\/www.ftc.gov\/reports\/section-319-fair-accurate-credit-transactions-act-2003-fifth-interim-federal-trade\" target=\"_blank\" rel=\"noopener\"><b>1 in 5 Americans<\/b><\/a><b> has a mistake on their credit report<\/b><span style=\"font-weight: 400;\">!<\/span><\/h4>\n<\/blockquote>\n<p><img decoding=\"async\" class=\"wp-image-2800 size-large aligncenter\" title=\"why should you check your credit report\" src=\"https:\/\/www.become.co\/blog\/wp-content\/uploads\/2018\/08\/iStock-175531215-1024x683.jpg\" alt=\"why should you check your credit report\" width=\"640\" height=\"427\" srcset=\"https:\/\/www.become.co\/blog\/wp-content\/uploads\/2018\/08\/iStock-175531215.jpg 1024w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2018\/08\/iStock-175531215-300x200.jpg 300w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2018\/08\/iStock-175531215-768x512.jpg 768w, https:\/\/www.become.co\/blog\/wp-content\/uploads\/2018\/08\/iStock-175531215-405x270.jpg 405w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Uh-oh is right! On top of that, 5% of us have errors so serious, that we are being overcharged for <\/span><a href=\"https:\/\/www.become.co\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">urgent business loans<\/span><\/a><span style=\"font-weight: 400;\">, credit card debts, insurance policies and more according to a study by the federal regulators. Yes, that\u2019s right and wrong on so many levels. Errors on your credit report can lead to increased interest rates and even disqualifications (car, <\/span><a href=\"https:\/\/www.become.co\/business-loans\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">small business loans<\/span><\/a><span style=\"font-weight: 400;\">, mortgages, the lot!).&nbsp;<\/span><span style=\"font-weight: 400;\">Errors can even prevent you from getting the job of your dreams, making it even more important to make sure that your report is accurate to a T.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After digesting this information it becomes even more clear that you need to keep track of your credit report and score! If you find any errors, be sure to report them to the relevant credit reporting bureau to get that s*** fixed and sorted. &nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now that you have a good idea of how often to check your credit score, you\u2019re probably wondering how to check your credit score in the first place&#8230;<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">How to check your credit report<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">According to federal law, consumers have a right to a <\/span><a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">free credit report<\/span><\/a><span style=\"font-weight: 400;\"> annually (that will <\/span><i><span style=\"font-weight: 400;\">not <\/span><\/i><span style=\"font-weight: 400;\">harm your score) from each of the three major credit reporting agencies &#8211; Equifax, Experian and TransUnion, where you can download your free report.<\/span><\/p>\n<p><b>Here\u2019s the catch: <\/b><span style=\"font-weight: 400;\">The bureaus don\u2019t cross-share information with each other, we\u2019re not sure what happened to sharing is caring, but it\u2019s out the window here. This means, there will be variations across all three of the reports.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For this reason, we advise taking advantage of these free reports and asking for one from each. You should consider pulling one report every four months in order to get an idea of your score throughout the year. But, and this is a big but, if you have never checked your reports, we\u2019d suggest pulling all three at the same time to cross-reference and dispute any mistakes.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">How to check your credit score<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><strong>Your credit report will <i>not <\/i>contain your credit score.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">There are two different methods of checking your credit score:&nbsp;<\/span><span style=\"font-weight: 400;\">soft and hard inquiries<\/span><\/p>\n<p><b>Soft inquiries:<\/b><span style=\"font-weight: 400;\"> When a company or person (including yourself) checks your credit report as a&nbsp;<\/span><span style=\"font-weight: 400;\">\u2018background check\u2019 &#8211; this will not negatively affect your score in anyway whatsoever.<\/span><\/p>\n<p><b>Hard inquiries:<\/b><span style=\"font-weight: 400;\"> Occur when a prospective lender checks your credit report, usually when&nbsp;<\/span><span style=\"font-weight: 400;\">deciding whether to give you a credit card or loan in order to assess your \u2018creditworthiness\u2019.&nbsp;<\/span><span style=\"font-weight: 400;\">These can slightly lower your credit score (by about five points) and will remain on your report for two years.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Get your precise credit score:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Purchase it from one of the three credit reporting agencies (Equifax, Experian or TransUnion)<br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Check with your credit card issuer\/lender &#8211; many car loan companies and credit card companies offer complimentary credit scores that you can gain access to by logging into your online account or on your monthly statement (you\u2019ll need to opt-in to receive this service)<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Visit a non-profit credit counselor &#8211; they can often get ahold of your scores for free<\/span><\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Is it bad to check your credit score?<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Is it bad to check your credit score is a common question, so if you\u2019re confused about this you\u2019re not alone. Go over the section above regarding soft and hard inquiries and you\u2019ll see that a soft inquiry has no effect on your credit score, period. It is only hard inquiries that will have a slightly negative effect.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h6><b><i>Disclaimer: The information contained in this article is provided for informational purposes only, should not be construed as legal advice on any subject matter and should not be relied upon as such. The author accepts no responsibility for any consequences whatsoever arising from the use of such information.<\/i><\/b><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>Unless you&#8217;re applying for a credit card or a loan, your credit score is probably the last thing on your mind. Some people are hesitant to check their score as they\u2019re afraid of what they may find, a bit like stepping on the scales after Christmas meal, but you need to know those numbers regularly [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2794,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13,114,1,12],"tags":[44,43,42,157],"class_list":["post-2791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aus-resources","category-small-business-wisdom","category-uncategorized","category-us-resources","tag-credit","tag-credit-report","tag-credit-score","tag-dishonours"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Often You Should Check Your Credit Score - Business Funding Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.become.co\/blog\/how-often-you-should-check-your-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Often You Should Check Your Credit Score - Business Funding Blog\" \/>\n<meta property=\"og:description\" content=\"Unless you&#8217;re applying for a credit card or a loan, your credit score is probably the last thing on your mind. 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