How often do you check your credit score?

[tianapb725]

Just wondering - How often does everyone here check their credit score?

I'm not seeking any new credit, but eventually want to get a mortgage (in about a year) and I want to get my credit score above the top tier so I get the best interest rate.

[Anonymous]

I am ... *sigh*... checking daily.  Yes, daily.  Though it is on CK which is FAKO.    I only have two weeks until I have a sixth month credit history and will be buying my fico scores!  Though, I will probably still load up CK daily, as I am somewhat overly obsessed with that silly fake chart/score they give me, lol

[armymom]

I normally check 2-3 times a week.  For the past week I have check almost daily hoping my Orchard visa has updated. I'm planning on refinancing my auto loan after all accounts have updated for the month.  I made large payments on my Macy's and Orchard so it would be nice to that (Orchard)  show on my cr.

Message Edited by armymom on 03-09-2010 07:08 AM

[llecs]

We pull our 2 FICO scores 3x per month (15th, and the last day and the 1st (most of my score changes ocurred on the first)).

[tbone74]

I check my report daily on TC just to see if anything has changed.  I pull myFICO scores usually twice a month, 3 times a month for the past two.  I need a 7 point bump w/ my EQ score to qualify for my first mortgage....impatiently waiting...lol

[Anonymous]

for those of you pulling scores 3 times or more a month, does that mean you're spending over $50 a month on scores??  Even just pulling 1 score 3 times a month is around $36 I thought...that just seems like a bunch to spend. 

I personally pull about twice a year...and Tiana, I pulled once in Feb and once in May before my mortgage - the biggest thing is pull within two months so you can fix any issues before your lender pulls (we pulled two weeks before the lender and didn't have time to fix the issues).

[llecs]

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Peach8321 wrote:

for those of you pulling scores 3 times or more a month, does that mean you're spending over $50 a month on scores??  Even just pulling 1 score 3 times a month is around $36 I thought...that just seems like a bunch to spend. 

I personally pull about twice a year...and Tiana, I pulled once in Feb and once in May before my mortgage - the biggest thing is pull within two months so you can fix any issues before your lender pulls (we pulled two weeks before the lender and didn't have time to fix the issues).

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DW and I are looking to buy our first home real soon. IMO, the best way to understand FICO scoring is to pull frequently. We can say that if we pay $x or $y, we can accurately predict our FICO score change. Once we buy our home, then we'll ween off to about once a quarter. Price isn't that bad. It's $10.95 for our EQ FICO reports (we both have SW and get EQ at a reduction) and use 20% or 30% off coupons for TU.

[tianapb725]

I pulled my scores in January and then paid off three credit cards, which totaled $4.5K.  I am eager to see what the score is, but in the same sense, don't want to spend the money on them quite yet as I'm not finished paying off my debt and I'm not getting a mortgage just yet.  I may just save my money and check every quarter as my debt gets paid down.  I'm above 700 now and would like to be at least at 750 when I'm ready to apply for a mortgage in about a year.

[tbone74]

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@Anonymous wrote:

for those of you pulling scores 3 times or more a month, does that mean you're spending over $50 a month on scores??  Even just pulling 1 score 3 times a month is around $36 I thought...that just seems like a bunch to spend. 

I personally pull about twice a year...and Tiana, I pulled once in Feb and once in May before my mortgage - the biggest thing is pull within two months so you can fix any issues before your lender pulls (we pulled two weeks before the lender and didn't have time to fix the issues).

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I'm pulling often to gauge the changes that are taking place as I rebuild.  I am able to see what change have taken place via TC website, then, I pull myFICO scores to understand the point change.  Now that I have taken care of any derogs that I've had....I pull less often.  However, since I'm still a few points shy of qualifying for my VA Loan...I'm still checking x2 a month.  

 As the poster mentioned above, I'm not paying full price either....getting them at a discount.

[Anonymous]

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@tianapb725 wrote:

Just wondering - How often does everyone here check their credit score?

I'm not seeking any new credit, but eventually want to get a mortgage (in about a year) and I want to get my credit score above the top tier so I get the best interest rate.

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I pull my reports several times a week through CCT. I pull my FICOs if I notice anything has changed or if ScoreWatch alerts me of a change.

CB