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She owed $400 on a card with a 13 percent interest rate. She only paid the minimum amount every month because she heard it would help her score to pay something off over time. Possibly, but she's going to pay way too much interest that way. Pareto says, It's important not to let the tail wag the dog. According to Pareto, a score of 720 or higher, and certainly anything over 750, is excellent. She advises, Once you're above a certain level, you're already there.

Save the 10 or 15 minutes and go for a walk, play a free credit video game, or play with the kids. It's a great idea to check your credit report, but keep it in perspective. As McGrigg reminds us, No one's obituary free credit should ever read, 'Stan was well respected by all three major credit free credit bureaus.' Sally Herigstad writes about women and credit every week for CreditCards.com. Herigstad is a writer and free credit finance consultant for MSN Money, a free credit personal finance software product. She is also a member of the Washington Society of Certified Public Accountants and the American Institute of Certified Public Accountants. my free credit score

Sally Herigstad lives in Kent, Wash., with her husband Gary. To Her free credit Credit answers a question about a debt or credit issue from a CreditCards.com reader each week. Ask a question. Dear To Her Credit, Why is my credit score different from one time to the next? I signed up for one of those services that lets you check your score anytime, and I've noticed that my score free credit often changes for no apparent reason.

It worries me, even though I know nothing major has changed between then and now.

-- Emily Dear free credit Emily, There are three things you should not check every day: Your weight, your stock prices, and your credit score, says Cathy Pareto, an free credit MBA and president of Cathy Pareto free credit and Associates, an investment and financial free credit planning firm. credit report with Checking any one of free credit these things too often is not only discouraging, but it can make you lose sight of the big picture. You can do everything right and not see the results you want the next morning.

I doubt anything significant has changed in your credit history. If it had, you'd see more than an eight-point drop in your score. Maybe you had a slightly higher balance on an account when one of your creditors filed a report this time.

Don't worry, 762 is still an free credit excellent credit score. People have a thing about being graded, says Kim McGrigg, communication specialist for Money Management International. Now that we can check our credit scores as often as we want, it's easy to worry too much. McGrigg tells about a man who recently asked her why, despite the most strenuous efforts, free credit he couldn't get his score free credit above 812! (The average credit score is closer to 700.) In the old days, credit reporting was an opaque process.

Consumers usually didn't know what was on their reports until they applied for a loan.

They could be sitting at the car dealership, expecting to drive their new car home, only to be turned down for a loan. free government credit reports Your keys to getting into the 700-plus credit score club Having a solid credit history with a credit score over 700 free credit will open doors to money-saving opportunities free credit -- from low-interest mortgages and loans to lower APR credit cards, better insurance rates and even jobs. Here free credit are a slew of tips that can help get you and keep you in the 700-plus credit score club.