9 Tips for Taking Care of your Credit
This post is sponsored by Credit Sesame, however all ideas are my own.
In this day and age, it can be easy for someone to snap up your personal information. My husband had his wallet stolen once and it was such an intrusive feeling. I couldn’t stand the thought that a stranger had our home address and his credit cards. Thankfully, we were able to cancel our credit cards and be refunded the money already spent. But that experience left me determined to do everything I could to protect our credit and finances.
I’m of the school of thought that you should do everything possible to be careful and use common sense when it comes to your credit. It can be hard to build up your credit score and someone can destroy it so quickly if you’re not careful. These tips have helped me be mindful when dealing with our finances.
- Be careful who you give your social security number to.
- Don’t give out account numbers or credit card numbers over the phone — unless YOU have called the company and know them to be reputable. Research companies before doing business with them.
- Never sign a blank receipt. I draw lines through blank spaces about the total.
- Save your receipts and always reconcile them to your statement each month.
- Don’t write account numbers on the outside of an envelope or carry them around with you.
- Don’t post personal info on your social media.
- Cut up old credit cards and shred statements you no longer need.
- Carry as few credit cards on you as possible — you should also keep them separate from the cash in your wallet. A small, second wallet is a great idea!
- Monitor your credit report online anytime with Credit Sesame.
One of the reasons that I appreciate Credit Sesame is they offer credit monitoring. You can also see your credit score each month and get an analysis of your credit report. Their identify theft protection offers great peace of mind. This is a great way to stay on top of your finances! It’s free to use and they also have a great mobile app to make it even easier.
Your turn! Leave a comment and let me know what you do to protect your credit.