Credit scores North Carolina

The downside is that consumers can't control every fluctuation in their scores, so it's easy to start overanalyzing.

This isn't necessary, especially for people who already have a good score. Pareto recommends, If you're in the 600s, yes, try to get past 720. One or two points are not going to add tangible value to your life.

Some people try so hard to control their credit scores that they lose sight of more important financial goals. Pareto tells about a woman who was credit scores North Carolina anxious to build her credit score. She owed $400 on a card with a 13 percent interest rate. law free credit report She only paid the minimum amount every month because she heard it would help her score to pay something off over time. Possibly, but she's credit scores North Carolina going to pay way too much interest credit scores North Carolina that way. Pareto says, It's important not to let the tail wag the dog. According to Pareto, a score of 720 credit scores North Carolina or higher, and certainly anything over 750, is excellent. 100 free credit report She advises, Once you're above a certain level, you're already there. Save the 10 or 15 minutes and go for a walk, play a video game, or play with the kids.

It's a great idea to check your credit report, but keep it in perspective. As McGrigg reminds us, No one's obituary should ever read, 'Stan was well respected by all three major credit bureaus.' Sally Herigstad writes about women and credit every week for CreditCards.com. Herigstad is a writer and finance consultant for MSN Money, a personal finance software product.

She is also a member of the Washington Society of Certified Public Accountants and the American Institute of Certified Public Accountants. free credit report government website Sally Herigstad lives in Kent, Wash., with her husband Gary. To Her Credit answers a question credit scores North Carolina about a debt or credit issue from a CreditCards.com reader each week.