How often do you check your scores?

[Anonymous]

I first checked my scores at the beginning of the year, and boy was I sad.  But, it got me moving on paying off my credit cards and rebuilding real quick.

I had one medical collection account, and three credit cards with low limits, one store card with a low limit, ad a paypal buyer credit line with a low limit, all $300-500 range, but they were almost all maxed out, and two student loans in deferrment.

Now, I'm completely paid off on credit cards and paid the medical collection account in full, and am in repayment for my student loans.  It's only been a month since I checked my score, and it's defenetly my goal to get in the 700 range in the next two years. I was in the low 600's last time I checked, and TU in the high 500's.  I disputed two collection accounts that had been paid off in full in 2003 but hadn't been reported to TU as paid, so those are off that report too.

I know it's a slow process, and that it's going to take time (goodness knows I didn't take care of my credit for a long time), but I'm just curious. How often should I check my scores?  I'm especially nervous now, after seeing that mistake on TU.

[laz98]

it's really up to you how often you want to check them.  as you can tell from my signature, i check mine about every month.  i haven't decided if that will change, now that the experian fico is not available to us.  probably not!  i like the progress i am making.

[Anonymous]

thx for the reply, I decided to go ahead and check, my curiosity got a hold of me, and my TU jumped from 580-625 in a month!  I'm pretty psyched, since not every credit card has reported the zero balances yet.  I guess I'll try getting them once every few months from now on, or more if I need a confidence booster.

[Anonymous]

i checked my credit scores in january of this year and it is still the same, if it does go up would it change when i loggin to myfico or do i have to rebuy the score?

[llecs]

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yuki wrote:

i checked my credit scores in january of this year and it is still the same, if it does go up would it change when i loggin to myfico or do i have to rebuy the score?

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The report you purchase is only good for that day. If you want to see a score change a week, a month, or a year later you'd have to buy a new FICO report. They don't auto-update.

[Anonymous]

I checked mine twice this month because I tried to GW a collection and wanted to see if it worked.

I plan on checking them through FICO once a month, maybe alternating between EQ and TU so I don't have to spend so much $$$ for the scores each month.

For me, the progress, or lack of, is what will keep me motivated. Seeing the scores (hopefully) go up will keep me going in the right direction.

[BungalowMo]

I check mine when I see major changes occur on my credit monitoring site (credit check total)

 Oh....Yuki...nice bump for one month!!! 

Message Edited by BungalowMo on 08-20-2009 05:33 PM

[angelzrfree]

When I was trying to get a medical collection off of my report, I checked it EVERY DAY using Credit Check Total. Once the collection was off, I checked it once a week. I've become lax in checking my report because I haven't had big increases like when the medical collection came off. Just 5 points here and 3 points there.

[ArmyStrong]

Think I'm gonna go from monthly, to every two weeks!

[Anonymous]

Checking credit score often couldn't harm your score??