- Good resource for how scores are calculated: https://www.myfico.com/credit-education
**Disclaimer: I (Michelle Dyer) am not a financial advisor, please contact one. The views in this video are strictly my own and do not reflect my employer.**
- My trick for making sure I don’t miss a payment:
- Set up an automatic payment for a little bit more than an average of your monthly minimum, so if you forget to log-in and pay off your credit card each month.
- Check Credit Report for Identity Theft
- Are there any addresses listed that you haven’t lived at?
- Are there any credit cards listed that you haven’t opened?
- “The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.” https://www.consumer.ftc.gov/articles…
- AnnualCreditReport.com –
- Equifax (January 1st)
- Experian (May 1st)
- TransUnion (September 1st)
- The Actors Fund – Workshops on Debt, Credit & Finances
- Suze Orman: The Money Book for the Young, Fabulous & Broke