1 year, 4 months ago
via credit-qna.com
How often should I check my credit report?
Is it a good idea to check it often? Is there one place online I can check it? Is freecreditreport.com a scam? Is annualcreditreport.com secure?
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M$1 Answer
It is recommended that we check our scores at least once a year. However, I usually check my scores every few months so that I’m always aware of the info being reported to the credit bureaus. I remember a few years ago there was a negative item on my credit report that I had no knowledge about.
It was a medical bill that I thought had been paid but I guess that was not the case. It just so happens that I had just begin to check my credit report at the time the account was bought to my attention. I paid the bill and the negative info was removed and the account shows a paid in full instead of collections.
While one time a year may work for some people, I like to be in the know about my background as much as I can and checking it more frequently allows me to correct any inaccurate information sooner rather than later.
It was a medical bill that I thought had been paid but I guess that was not the case. It just so happens that I had just begin to check my credit report at the time the account was bought to my attention. I paid the bill and the negative info was removed and the account shows a paid in full instead of collections.
While one time a year may work for some people, I like to be in the know about my background as much as I can and checking it more frequently allows me to correct any inaccurate information sooner rather than later.
You can leave an optional "tip" with Mahalo's virtual currency, Mahalo Dollars. If you are asking a difficult question that might require some research, or if you'd like a wide variety of feedback, a higher tip often leads to more answers to your question.
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