You should check out Credit Karma and sign up for their free credit monitoring service. They are not as detailed and don't give don't give you the inquiries on your report, but they do explain things in a good way. No they are not as detailed about accounts as a paid service, but they are good. Also check out Credit Sesame, they give you access to your information also, but only once a month. Additionally, Quizzle gives you access to your report every six months. All are free.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
