As we are getting closer to the dream of finally being homeowners, I have been keeping an eye on our credit report to make sure nothing bad happens.  I began monitoring our credit report two years ago when we started paying off debt and have enjoyed watching our scores rise….slowly…but in the right direction.  Monitoring our credit has been a great tool for us because it has allowed us to educate ourselves on how credit scores are calculated and how the whole system works.  By monitoring I have been able to raise our scores across the board by informing different bureaus that they were not reporting on a ‘good’ account.

We have invested a lot of time and money into repairing our credit which is why it is so important to us that we continue to monitor it.  After paying off the bad debt at the beginning of last year, we enlisted the help of a local company to help us clean up our credit as well…..another reason that I monitor it so closely.  I like receiving an email whenever something new is reported to any of the bureaus and love it even more when I am notified that a score has increased!

What do you do to keep your credit in check?  Do you know how you can get your free credit score?