As an individual that travels quite a bit for my everyday job these days, identity theft and how it impacts my credit score is constantly on the back of my mind. For those of you not aware of the impact of credit score, it impacts your borrowing cost for everything from a car loan and mortgage. As a mean to be cautious, I tend to limit the usage of my card by paying cash for my meals if I can help it.
However, even though you might be cautious people with malicious intent can still steal your identity and ruin your credit score. As a result, it is important to keep an eye on your credit score on a regular basis just to make sure nothing is out ordinary. One way to keep track of your credit score is to monitor your credit score with websites that offer free credit score. Your credit score is based on three credit bureaus and each one uses a different formula to evaluate your score. As for me, I am currently getting a refinance on my house, I just paid for my credit score evaluation but if you are looking to check your credit score on a annual basis be sure to check out FreeScore!

On a side note, it is now a good time to refinance your mortgage!