As you start acquiring cards and accumulating points you also need to make sure that you are keeping track of the hits on your credit.\u00a0 I have an excel spreadsheet where I keep track of all hits on my credit.\u00a0 Keep in mind that a hit on your credit can come from a number of different sources.\u00a0 Each time you apply for a loan, open a credit card, or even open an account at a bank.\u00a0 Keep track of all of them that have happened within the last two years.<\/p>\n
My wife worked at a credit union and they required us to open an account with them last May.\u00a0 When my credit was pulled then it read an 800.\u00a0 This is a great credit score.\u00a0 I am looking into a few different options to monitor my score, but as of now I’m just using the AnnualCreditReport.com<\/a> to make sure that all of the inquiries are accurate.\u00a0 However, it would be nice to make sure that my score is still high.\u00a0 I don’t think that it would be worth paying the money to pull the scores, nor worth a hard inquiry on my credit to do a hard pull.<\/p>\n What do you use to monitor your credit?\u00a0 You need to make sure that you aren’t adversely affecting your credit with too many inquires.\u00a0 The way that I understand it is that each hard pull on your credit takes away 2-5 points.\u00a0 I know that there are other factors involved, but make sure that you are using your credit to secure low cost travel, but not abusing your credit.<\/p>\n ALWAYS make sure that you are paying y0ur bills on time each month.\u00a0 Pay the balance off in full.\u00a0 Don’t pay any interest and these cards really don’t cost you much.\u00a0 You’ve worked hard to build up a good credit score, so make sure that you maintain a high score.<\/p>\n I also find out which crediting agency is using each card.\u00a0 As much as possible try to split your inquirires amongst all three of the credit reporting agencies.\u00a0 The three credit reporting agencies are: TransUnion, Equifax, and Experian.<\/p>\n Waiting for Approval<\/strong><\/p>\n Any day now we should be getting approval to market different credit cards that will help you to amass large sign on bonuses.\u00a0 It is really exciting to me because I love helping other people travel.\u00a0 I get great satisfaction from seeing others enjoy trips around the world.\u00a0 That is exactly why we’ve stared this blog.\u00a0 I want to help you to do what I’ve done.\u00a0 So don’t be selfish with this blog.\u00a0 Share it with everyone you know.\u00a0 We are dedicated to helping you!<\/p>\n","protected":false},"excerpt":{"rendered":" As you start acquiring cards and accumulating points you also need to make sure that you are keeping track of the hits on your credit.\u00a0 I have an excel spreadsheet where I keep track of all hits on my credit.\u00a0 … Continue reading