Monitoring Your Credit Repair Progress

When you’re going through the credit repair process, you want to know how you’re doing. That way, you can tell if your credit repair efforts are working or not. The easiest way to tell how your credit is improving (or not improving) is to review your credit report and credit score on a periodic basis.

You can manually order your credit reports and credits scores each month that you’re gong through credit repair. However, this could prove to be expensive since 3-in-1 credit reports and score can cost up to $39.95 per month.

Free Credit Monitoring

You can monitor your credit repair progress for free by ordering your annual credit reports through www.annualcreditreport.com. You can monitor your credit throughout the year by ordering one credit report every four months, rather than getting all three at one time. Review your credit reports to be sure that old negative information is no longer being reported; that unverified, disputed accounts are not listed; and that positive payment history is being accurately reported.

You can track your credit score fore free by using CreditKarma.com. The site has partnered with TransUnion, one of the three major credit bureaus, and advertisers to offer your credit score completely free. Using your credit score along with your credit reports can help you gauge your credit repair progress.

Trying Out Credit Monitoring Services

A more automatic way to monitor your credit is by enrolling in a credit monitoring service. These services are most often used to aid in early detection of identity theft, but they can also help track your credit repair progress.

Of course, you should look around at various services to see what’s offered since some credit monitoring services only monitor your credit report and credit score from a single credit bureau. Other services only give you alerts to changes in your credit score without any indication of changes to your credit score. The best service for monitoring your credit repair progress is one that offers credit reports and credit scores from all three credit bureaus. That way, you get a complete picture of your credit standing.

Many credit monitoring services offer free trials that you can use to decide which service provides the updates you need. If you decide you don’t like a service, make sure you cancel before the trial ends to keep your credit card from being charged.

Attractive Credit Repair Services