Monitor your credit without paying a dime
But there are ways to monitor your credit without having to pay a single dime.
Credit Karma, is one of those companies, according to a story on Life Inc., which offers to check your TransUnion credit file once a day and notify you of any major changes occurring in your file, like a credit inquiry or late payment.
Credit Karma and a site called Credit Sesame can also provide you with a credit score similar to a FICO score, which will help you get a picture of how well you're doing. But if you want to use your credit score to negotiate your credit card interest rates, it's a good idea to buy your FICO score because it's the standard score lenders use.
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