Have you ever had to write a blog post on something that you didn’t necessarily agree with or get behind 100%? Probably not. I wrote a blog post about a year ago on this same subject, and I’m afraid I haven’t yet learned to care (shame on me). I mean, I know it’s important in this day and age, but if you totally adhered to the principal of using cash for everything, the subject of a credit score would be moot.
But because everybody seems to worship their credit score (insert
eye roll and sarcastic tone here), I suppose it might be important to do what
one can to protect it. So, let’s talk about that. I hope you don’t mind if I
quote myself–my advice is still quite relevant.
“Check out annualcreditreport.com for reports from each of the
three credit reporting companies. Make sure they are accurate. Reach out to
them if they are not. Close old yet still open accounts with zero balances.
Even consider freezing your credit since you are no longer relying on debt and,
like me, don’t intend to borrow any more money. This will also help protect you
from identity theft.
While I may not agree with the need for this rating system, I do
understand that if you have one you want it to remain in good shape. So, take
care of it.”
Ok, now my rant is really over, at least for 2022.
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