Money Matters
omgladypirate
member
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Monitoring credit score
I currently pay a monthly fee for freecreditreport.com but have seen adverts for creditkarma which claims to be free. What do you all use to monitor your credit? I haven't found freecreditreport to be reliable at all as far as my credit score, just helpful as far as activity, debt ratio, etc.
Re: Monitoring credit score
I have an account with Credit Karma. I really like them and they really are free. However, they more "estimate" your credit score based on your credit information, so it is not necessarily going to always be accurate.
But they do have accurate credit information. For example, they will show most if not all the credit information your credit reports will have...it is just the actual score that may not be perfect. It also has an "adjuster" portion on the site where you can put in different scenarios (ie paying off all your credit cards or applying for a loan) and it will tell if that will make your credit score go up or down and by how much. Again, an estimate, but I have found it useful.
In fact, I am an extra big fan of Credit Karma because some loser company fradulently or mistakenly (still not sure which) put a collection notice on my credit report. I found out about it lickety split because Credit Karma sent me an e-mail notification. This allowed me to immediately write the proper letters to the credit agencies to get this removed. If it hadn't been for Credit Karma, I probably wouldn't have found out about it until the next time I was applying for something.
Also, all credit scores are just estimates based on who is running the report at that moment.
I have used Credit Sesame in the past and it seems to be pretty accurate and free. Mostly I get my free credit report once a year to make sure their isn't anything fraudulent on it.
A friend of mine had the Discover IT card. He went car shopping and they provided him pricing information based on the score showen by Discover, only to find out when they actually ordered his credit that the score that was shown on his Discover statement was off by 100 points to what his score really is.
I think quarterly is a good interval to work with. Not much will change from month to month, but I personally can't stand to wait a year.
Mine has gone up 58 points in the last 18 months. It's NOWHERE where it needs to be yet but it's going in the right direction and I have no large purchases planned so for now I'm just happy with the improvement.