For several years I’ve enjoyed the game (yes, I know it’s a game) of getting credit card rewards bonuses for signing up for new credit cards. Despite what many think, I personally think there is actually a financial value in doing so. At the very least, it’s a fun hobby. Over the last four years, our family has enjoyed around 25 free hotel nights credit history check free Syracuse from signing up for seven rewards credit cards. Most recently, I signed up for a credit card that will give me 75,000 bonus American Airlines AAdvantage points. That’s more than enough for a free trip from North America to Europe. credit theft I never considered my credit score because I’ve always heard Dave Ramsey say it doesn’t matter. I was recently reading an article about how applying for credit cards impacts your credit score. In the article, the author suggested you not try and get new credit cards within two years of buying a home (assuming you credit history check free Syracuse plan to borrow money). I wondered what I was really doing to my credit by signing up for 1-3 credit cards each year. I decided the only way to know was to check and monitor my credit score. three credit bureaus There is a possibility that within 2-3 years we may get a home mortgage, and I thought that no credit card bonus would be worth jeopardizing my ability to get the best available rate on a home mortgage. By ignoring my credit credit history check free Syracuse score I thought that I may be credit history check free Syracuse financially penalizing myself. I tend to think of credit scores like I do college professors. Every teacher graded according to certain preferences. When I wrote a term paper, credit history check free Syracuse I’d write according to that grading standard (even if I didn’t like it). I feel the same way about my credit score. Since so many companies use a credit score as a type of grade or standard, I figure I may as well do what they ask to maintain a good credit score. free credit history report
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