In todays rough economic times, it’s always good to play it on the safe side when it comes to your finances. A little while back, I wrote about Mint, a great way to manage and see you finances across all your accounts and assets. Another favorite of mine, is BillShrink. While it’s credit card recommendation tool is similar to Mint’s, they also have a great tool for figuring out the best cell phone plan based on your current usage.
While both those sites are a great way for you to get a sense of your money, it’s also important to know how companies view your financial situation. By law you are entitled to a free credit report every 12 months. You can get this report from each of the three credit reporting bureaus at sites like annualcreditreport.com. What is lacking from this report however, is what most people are really interested in; that is the actual credit score. A site i found (via the Mint blog), is CreditKarma. Upon (free) registration, you will have access to your actual credit score and see how it compares to other demographics. They also provide a bunch of tools to help you calculate how different factors (such as taking out a loan or applying for another credit card) would immediately impact your score.
Having good credit will only make things easier down the road so these sites are definitely worth a look. For more information on all the credit report and credit rating business along with tons of other useful personal finance information, be sure to check out the Mint blog!
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