All habits
The monthly check-in
- The fifteen minute monthly credit check-inOne short sitting, the same five steps each month. Most months nothing needs doing, and that is the point.
- How to check your credit reports for freeFree to view online every week, plus one paper copy a year. Looking at your own report does not lower your score.
Small routines
Protect and fix
- Freezing your credit and leaving it frozenFree to place and to lift. A frozen file is a quiet one: new lenders cannot open an account in your name.
- What to do when something looks wrong on a reportDispute in writing with the bureau and with the company that reported it. The bureau has 30 days to investigate.