Want Some One To Watch Your Credit Report?

Do you ever wonder if some one is using your credit? Are you worried that a late or a judgement may pop up and ruin you credit?

If you are busy and are the forgetful type then you need a credit watch dog. I mean a credit reporting agency who will monitor your credit report 24/7.

If a late pops up, your over your limit or someone tries to use your credit you will be alerted and be able to save your credit.

Good credit is very important when you want to start a business and borrow money and it the business does not work out and you need to get a good job good credit counts again with many employers and if you are spouse shopping a good one just may ask and want to see your credit report.

Good credit tells a lot about you as a person and that is why lenders, employers and prospective spouses may want to look at your credit before they say Yes, or I do.
I strongly suggest a credit monitoring service unless you are very disciplined with your credit. I use True Credit which is about $14.95 per month. I know it does require spending money but if you get a late, collection or fraudulent opened account you will know in 24 hours or less and when you know quickly you can get it removed.

So expect me to be telling you more about True Credit where you can view all 3 credit reports and their scores as often as you like and know what your balances are in one shot.

True Credit is a great low cost resource for information also.

Here are some of True Credits Tips for Keeping Your Credit Score High:

Be punctual – Pay all your bills on time each month. Late payments, collections, and bankruptcies have the greatest negative effect on your credit scores.

• Check your credit reports regularly and take the necessary steps to remove inaccuracies –

• Manage your debts – Keep your credit card account balances below 35% of your available credit limits. For instance, if you have a credit card with a $1,000 limit, you should try to keep the balance owed below $350.

• Give yourself time – Time is one of the most significant factors that can improve your credit score. Establish a long history of paying your bills on time and using credit responsibly. You may also want to keep the oldest account on your credit report open in order to lengthen your period of active credit use.

• Avoid excessive inquiries – A large number of inquiries occurred over a short period of time may be interpreted as a sign that you are opening numerous credit accounts due to financial difficulties or overextending yourself by taking on more debt than you can easily repay. Apply for new credit in moderation.


I have always believed that you should keep 5-6 credit cards but just use 1 or 2 and pay them off in full each month if you can. If you have to have credit over time try to use just 1/2 of the limit they give you so getting bigger limits will be a plus for those of you who like to shop.

Hope this helps.

Please let me know what you think of True Credit and remember you can cancel at anytime if you feel you have the hang of it.