How frequently do you check your credit score

Joined: 14 Feb 2009 Posts: 9 344 Magic Points

as you know that fico score is dependent in your credit report so whatever changes in the credit report, the score is recalculated. There could be a lot of changes that will be made in your credit report in three months time so it would be best if you'd be able to check your credit report and your score quarterly.. who knows if you had excellent score and then it would suddenly go down without you knowing it if you will still have to wait for a year to check it out.

Joined: 03 Apr 2009 Posts: 4 145 Magic Points

Your credit can change daily. We should all have access to any updates on our credit file. There are plenty of websites like truecredit and Privacy Matters that are very good for keeping up with updates.

Joined: 06 Jul 2006 Posts: 730 17417 Magic Points

What I think is that until and unless you have any negative item listed in your credit report, your credit score will not fall and so you can check your score whenever there is a negative item in your report. Checking your credit score is not free and so you can check your score every 4 months.

Joined: 30 Mar 2009 Posts: 41 529 Magic Points

I would like to check my FICO score Quarterly.

Joined: 14 Feb 2009 Posts: 9 344 Magic Points

would be great of you could check your score monthly as your credit report updates, your score also updated bec your score is solely dependent on your credit report

Joined: 17 Jul 2006 Posts: 1298 28935 Magic Points

Hi Naomi
Since FICO score does not come free of cost and you have to pay for it, I think that we should check our credit score quarterly or only if we are about to apply for a new line of credit. However, you can keep track of your credit report and find out whether any negative items got listed in your report or not. Now since, one credit report is free each year, we can apply one every 4 months from any of the three bureaus absolutely free and fix any incorrect listings there.

Joined: 26 Feb 2008 Posts: 4500 8812 Magic Points

What I would like to know if anyone can answer is where there is a safe site to check your score. I have read several posts where they want you to give your credit card number and then they continue to take out monthly payments and it is hard to get stopped. Whatever fee they charge is what they keep continuing to charge.
Also if you were going to check your score which one of the three would be the best one to check?

Joined: 30 Mar 2009 Posts: 41 529 Magic Points

I would like to check my FICO score quarterly.

Joined: 25 Apr 2009 Posts: 3 63 Magic Points

you have to treat your fico like a business. knowing where you are allows you to move forward, quickly. by disputing items in a timely keeps your credit report clean and ready to go.

Guest · 0 Magic Points

I think that we should check our FICO score only before applying for a new line of credit because unlike credit report which comes once a year free of any charges from the three major credit bureaus, FICO score is chargeable. However, I think that we should check our credit report frequently and dispute any listings with the bureaus.

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