411-New Year Homework: How to Check, Monitor, and Freeze Your Credit Score for Free
Radical Personal Finance
Joshua J. Sheats, MSFS, CFP, CLU, ChFC, CASL, RHU, REBC, CAP
4.2 • 1.9K Ratings
🗓️ 12 January 2017
⏱️ 24 minutes
🧾️ Download transcript
Summary
The health of your credit score is an important subject. It's important that you keep your credit report squeaky clean and your credit score high.
Today, I'm going to give you some simple, free tools to do so.
- How to check your credit reports for free
- How (and why) to freeze your credit reports
- How to monitor your credit scores for free
Joshua
- Please take my 20-second demographic survey! www.radicalpersonalfinance.com/survey
- Find an awesome financial advisor near you! www.radicalpersonalfinance.com/paladin
- Get a free, 34-day trial of the YNAB budgeting software I use. www.radicalpersonalfinance.com/YNAB
- Check your credit reports once each year, for free: www.annualcreditreport.com
- Clark Howard's credit freeze guide: http://www.clark.com/credit-freeze-and-thaw-guide
- Monitor your credit score for free: www.creditkarma.com
Transcript
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| 0:00.0 | Welcome to the show Radicals. Today's episode is supported by |
| 0:03.9 | Pallidon Registry. Make 2017 the year that you follow through and start your |
| 0:09.5 | search for your great financial advisor. You need one. Start your search at radical personal |
| 0:16.1 | finance.com slash Palladin p al-a-d-I-n. Today's episode is also supported by Wainab, Y-N-A-B, you need a budget, the world's best budgeting software |
| 0:26.3 | and the budgeting software that I use each and every day, radical personal finance. |
| 0:30.3 | Com slash Wienab for a free 34 day trial. Today we tackle credit, credit |
| 0:36.8 | reporting and some simple annual maintenance items that you need to take care |
| 0:41.2 | of to make sure that you keep your good name. |
| 0:45.0 | Your good name. Welcome to Radical Personal Finance, the show dedicated to giving you all of the knowledge |
| 1:06.9 | and education and ideas and reminders that you need to live a rich life now while also making sure that you stay |
| 1:15.0 | on track for your plan for financial freedom in 10 years or less. Today we tackle |
| 1:19.2 | credit. Guess what? Like it or not your credit matters, and it's your job to make sure that it is well maintained. I am seeking to keep this episode these shows very very practical and very diverse |
| 1:41.0 | for you and today we're just going to tackle some quick and practical tips. |
| 1:45.0 | Again, my goal with creating radical personal finances to give you tons and tons of |
| 1:50.0 | inspiration, tons of ideas, but also to keep things practical. And today we're going to go |
| 1:54.7 | straight rapid fire through some very practical suggestions about your credit. This is the time of |
| 2:00.0 | year as we begin the year that you need to make sure that you've got everything buttoned up. |
| 2:03.7 | 2017 is upon us. Today is January 12, almost two weeks of the year gone. |
| 2:10.0 | How you doing? Are you taking action? Are you taking consistent systematic action? |
| 2:17.5 | Taking diligent steps on your financial goals? If not, let's get going. If you are, congratulations. Here's one that you need to do. |
| 2:27.3 | You need to check your credit report. This is something that you need to do at least once a year |
| 2:34.4 | If you're gonna be doing something else, you know you're applying for credit or something like that you might do it more frequently |
... |
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