A good surprise, actually. I got my credit report and score from Experian and it’s quite higher than I thought. I won’t post exact numbers (I kind of feel like that’s like posting my weight or college GPA – there are some numbers only I should know) but Experian gives your numerical score and a letter grade…. and I have what equates to a B+. I knew my credit score was decent, but I didn’t think it was this good. And my credit report shows no blemishes, which means it’s correct because I’ve never had a bill go into collections or defaulted on a loan.
But I’m having a familiar feeling, like I used to get in school: B+ is well above respectable, but it still isn’t an A. I very rarely settle for less than an A, but in this case there isn’t a whole lot more I can do. Killing my consumer debt will help, but my biggest issue is that my credit history is short. Time will increase it, as will buying a home. So I guess I should just keep doing what I’m doing (paying bills on time, paying down debt, etc.) and expect my numbers to slowly climb.
Which brings me to a question: I know that people check their credit reports a few times a year, but you’re only entitled to one free report per year (by law). Do you pay to see your credit report every few months? If so, how much? Is this something I should be doing?
