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Monitoring Credit Scores
Credit monitoring can be easy so long as you have the resources to do it. Regardless of the state of your credit - good, bad, or maybe even non-existent - you’re going to want to locate an app that has the information you need to make positive strides forward with your credit.
TransUnion and Experian are two of the big three credit bureaus collecting and compiling your credit history, score, and payment patterns. These are fantastic resources for monitoring your credit; however, for most people, this information can only be accessed once a year. For everything else, sites like Credit Sesame, Credit Karma, and myFICO are great options because you can check on your credit score and credit history when needed.
If you are considering making a big purchase in the upcoming future, finding an app that has these resources can help you monitor your credit as well as predict what you should to do in order to prepare your finances for the changes to come.
A credit score is important for you if you want to make a big purchase, perhaps a car or a home. This number is what gives banks and other money lending organizations an idea of how responsible an individual is before loaning them money. Whether you’re new to the world of credit or you’ve had plenty of experience, keeping an eye on your credit score is key because it keeps you informed about the health of your overall credit.
Credit scores range from 300 to 850 points, and a good credit score typically falls between 670 and 850 points. On average, most individuals’ credit scores fall somewhere between 600 and 750.
A higher score represents good credit and financial decisions on the part of the individual. Things like paying off credit card debt on time and opening up new lines of credit can contribute to a higher score while late payments and closing lines of credit can contribute to a lower score.
For a traditional FICO score, the scoring system used most commonly throughout the United States, an individual’s payment history holds the most weight. This includes loan payments (e.g. mortgages) and credit card payments. The total debt being carried - in other words, the amount of money you owe to the money lending organization - also significantly influences the overall credit score.
If you’re looking to make a next big step in your life, you can find your credit score range using apps with a variety of free services, such as your full credit report, to keep you informed about your current status.
Your credit history is a record of your spending and repayment of certain types of loans like credit cards. A credit report, or credit history, displays information like how much debt you have, whether or not you have paid off your past debts on time, and what your pattern of payments looks like.
If you want to become more organized and aware of the status of your credit, then you’re going to want an app that gives you access to your credit history so that you can easily figure out why your credit score is the number that it is.
Your credit history is another tool that is often offered for free by credit monitoring sites and apps. It is often reported to a credit bureau - the three major bureaus being Equifax, TransUnion, and Experian - and these bureaus aid money lenders in determining whether or not to provide you a loan.
If credit management is not your strong suit, you will want to find an app that helps you to identify patterns in your spending and debt repayment so you can improve your habits and achieve a higher credit score. By achieving a higher credit score, you have a better chance of getting a loan and, as your score increases, take out loans in larger amounts.
This is also true for you if you want to maintain a good credit score and keep your credit history strong. Knowing where and how you’re spending and repaying money helps you to identify habits, both good and bad, that you can adjust for the future.
If identity theft and data breaches are something that actively concern you, then choosing an app with a protection plan can be a good solution.
If you’re worried about keeping your credit information safe and protected, resources like Identity Guard, Privacy Guard, and LifeLock are available to keep all of your information sealed from prying eyes. While the big three credit bureaus are safe and trustworthy, new, lesser-known credit monitoring sites are appearing every day, so protecting your personal credit information can be important too.
Just note that credit monitoring and protection services cannot prevent someone from stealing your identity or edit potential errors in your credit history or report. They can, however, inform you if an error occurs or if it appears someone is attempting to access your information so you can take strides to protect yourself. There are also recovery services to help you if you have actually been a victim of identity theft.
If you’re ready to make a big life purchase like taking out a mortgage, likelihood is, money lending agencies such as banks are looking at and monitoring more than just your credit score - they’re looking at the entirety of your credit history.
When it comes to buying a house, there are certain elements in your own credit history that you should look out for because these can influence whether or not you can get the loan amount you desire. For potential new home buyers, you will want to find an app that helps you focus on your debt to credit ratios.
A high debt plus a low credit score often suggests that the individual who is applying for the mortgage is unable to afford it or will be unable to pay it back on time, thus being a potential reason for loan denial.
On the contrary, a low amount of debt and a high credit score suggest an individual will not only make their mortgage payments on time, but may even be able to pay off the debt sooner; therefore, they are a good candidate for a loan and will likely receive the mortgage they are applying for.
Now that you understand the different elements and factors that can determine the perfect credit monitoring app for you, check out our Best 10 Apps for Monitoring Credit Scores.
Turbo helps you understand your financial health. See your credit score & more!500K+ FinanceFree
- 95% positive reviews
- Editor's Choice
I’m a retired government accountant and I struggled with keeping up with the changes once I returned stateside. That was 2007 and I’ve been a Turbo Tax client ever since. I can trust that they waded through all the updates to the tax laws, tested their software, and put out a quality product! Customer service is top notch, too! I’ve needed files retrieved, many prior year software requests, and sometimes advice that was beyond me. Thanks for being wonderful so that I can do my taxes in minutes and submit them early January! You guys rocks!!!Lynnell57
Credit Score, Offers and Tips
- 94% positive reviews
- Editor's Choice
I'm so glad that I find Leding Tree I can check my credit You can have an surance Almost everything you need .tkPetra Soto
Check credit score, manage your personal finance with this free budgeting app
- 13 users said "great info"
- Feature Rich
- Editor's Choice
easy to use and a overall amazing app to help track money and understand where it disappears to! it can also help track your bills and keeps a total of how much they are combined, it's very efficient. it combines them into groups and it's good to see if anything unusual pops up because it's all named and broken down for you to see in it's own category. RECOMMEND COMPLETELY!!!Caroline Rodriguez
Upgrade your credit scores, monitor for ID theft, and more. 100% free for all!10M+ FinanceFree
- 4,534 users said "great tool"
- Feature Rich
- 1M+ Reviews
- Editor's Choice
Super helpful absolutely love this app!!! When I first downloaded it I didn't understand how credit truly worked. Since then I've raise my credit score almost 100 points! I not only understand how credit works I understand that you don't have to panic, file for bankruptcy and give up on everything... While difficult and not for the impatient, you can improve your credit score with the help of credit karma. 10 out of 10 times will reccomend and will praise for everything this app has done for me.Bryane Tirado
Achieve your financial goals. Free credit score, report card, and action plan.
- 18 users said "free credit score"
- Feature Rich
- In App Purchases
- Editor's Choice
1/5/19... CS keeps me informed and is always up-to-date! 5/17/19... I think CS likes it when my Credit Score increases even more than I do... & I love it when that happens!!Roy Alan Wilkes
WalletHub is the only app offering free credit scores and reports updated daily.
- 15 users said "daily updates"
- Feature Rich
- Editor's Choice
The app Wallet hub is a five star reporting App, if you have any changes in your credit. I have a WalletHub because I’m concerned about people using my credit cards or buying something under my name like a car and wallet hub would notify me quickly. It also tells you how to increase your credit score. A higher credit score could save you hundreds in interest in buying a car, a house or a boat. So if you don’t have the app Wallet Hub I suggest you get it.Carolyn from Maryland
CreditWise from Capital One - Free credit score and monitoring
- 201 users said "great tool"
- Feature Rich
Been using this app for over a year. it put me on track to purchase a house that I closed on last month. I'm going to continue to use it bc it is so useful and informative.Daniel Collins
Free FICO® Score, Experian Boost, CreditMatch, credit monitoring & more!
- 156 users said "great tool"
- Feature Rich
- In App Purchases
- Editor's Choice
I totally enjoy having my credit monitor safely, so far my FICO is being protected and monitored. I enjoy the education on how to advance my credit, I also enjoy all the fact of improving. Although I never dream closing an account would harm your FICO score. Think twice about closing credit cards, if you do talk to Experian first, therefore your credit score will be protected. I recent received a late payment notice from Premier credit card after opening the card I reviewed a phone call, saying I had late payment, i notified Experian therefor my credit score was not reflected. Also medical bills can be duplicated and hurt your credit. Monitor your credit is epic in every way. Value your credit as it is your future.2txgirl
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Scrabble and Boggle are two classic word games that have gained tons of popularity on apps and online versions. Since the games have become so well known, there are many different options for various types and variations when it comes to the mobile games. Read through these tips to help you know what to look for when choosing your new favorite word scramble apps.Word Games May 22, 2019 9 min read
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