For a credit application the creditor may not pull all credit bureaus. You’d be wise to get a credit karma account to see Transunion. Plus doing your free annual credit reports as others have stated. At the end of the day the credit freeze is your best bet. Stops all hard inquiries unless you thaw your credit for whatever you want to apply to at a given time.
Received notification my credit score just dropped 40 points.
- Thread starter GON
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Discover is very impressive with their credit monitoring. Trust me in the last year being in contract on one home and actually approval and contract on another and shopping 5 mortgage companies for rates. I’ve had a ton of inquiries and Discover has been right on point pretty impressive for free service.
Is that enough?
Well, it’s certainly something that is very good but nothing will replace doing a free credit lock on all three major credit bureaus plus one called innovis.
For the most part Discover alerted me within 24 to 48 hours, but sometimes a long time frame went by and I didn’t really pay much attention.
The key is to simply lock your credit, and then you have nothing at all to worry about, and then as a back up peace of mind, knowing that Discover would alert you to other things on the dark web.
I’ll never pay for a credit monitoring service when you can simply lock your credit for free. And then have discover as a back up which isn’t even really need it but nice to know.
I have Discover because all summer long I get 5% off all the restaurants I go too
Its 2023 everyone, lock your credit. There should be no question about if you should lock your credit or not. Its completely free
If you apply for credit the system will state its locked and you can just temporarily unfreeze it. Super simple these days.
Do not forget to freeze Innovis as well.
If you apply for credit the system will state its locked and you can just temporarily unfreeze it. Super simple these days.
Do not forget to freeze Innovis as well.
Don’t forget groceries for this quarterI have Discover because all summer long I get 5% off all the restaurants I go too
. Pretty good rotational categories like the chase as well.YesDon’t forget groceries for this quarter
we do all of them!Our cash back adds up to well over a $1000 a year. I love it and use the money for fun stuff, it’s been a while and I’m sure all of the cards added together is close to 2k
5% for quarters in Discover and my wife’s Citicash card for the highest spending category in any month pays 5% which we use for whatever category Discover isnt 5% so right now that is restaurants for 5% and as you said Discover for 5% groceries. I have a different Citicard and WellsFargo that pays 2% all year.
I also have a chase card that rotates 5% unfortunately right now it’s the same groceries so I have it put away for now.
It’s cool during Holidays with Amazon and Walmarts 5% at times
It’s really fun!
Prepaid Visa/Mastercards at the local grocery store here is $500 for a $5.95 purchase fee. Around 3.8% back in points when you net out the fees on a 5% grocery card fwiw.Yes
Our cash back adds up to well over a $1000 a year. I love it and use the money for fun stuff, it’s been a while and I’m sure all of the cards added together is close to 2k
5% for quarters in Discover and my wife’s Citicash card for the highest spending category in any month pays 5% which we use for whatever category Discover isnt 5% so right now that is restaurants for 5% and as you said Discover for 5% groceries. I have a different Citicard and WellsFargo that pays 2% all year.
I also have a chase card that rotates 5% unfortunately right now it’s the same groceries so I have it put away for now.
It’s cool during Holidays with Amazon and Walmarts 5% at times
It’s really fun!
Don't try opening any new bank/credit union, etc, accounts with Innovis frozen.
As somebody who has a crappy fico score, I can tell you you want a good score.
Low score means you will likely pay more for things like insurance and is a factor when jobsearch.
fat biker
Low score means you will likely pay more for things like insurance and is a factor when jobsearch.
fat biker
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