Free Credit Report Access

Free Credit Report Access

Thanks to a new five day free trial offer, you're now able to get a legitimate free credit report from SmartCredit.com. In addition to a rundown of your credit history, the smartcredit.com service offers you a variety of tools for monitoring your credit (SMART Alerts, SMART Credit Report Lock, SMART Action Button, etc.). The free trial gives you access to these features for five full days, and after that it's $19.95 a month to continue. If you just want a free view of your credit report however, you can easily cancel within five days and pay nothing. Very slick and very easy!

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Why You Should Avoid Consolidating Your Credit Card Accounts

Why You Should Avoid Consolidating Your Credit Card Accounts

If you have five credit credit cards with small balances, it may seem like a good idea to consolidate them all into one single credit card account. After all, you'll have a smaller quantity of cards to manage and your interest rate might even improve. So why shouldn't do this?

The credit reporting agencies would much rather see five small balance cards than one high balance account. It might be easier for you to manage a single account but your credit score will very likely take a ding if you choose to do this.

A word to the wise... since getting a car loan, and any loan for that matter, is based on your credit score, it's important to manage everything that might affect that score negatively.