So now that you have Payment
strategy and you have been able to pay off several bills over time, the
next thing that you need to do is check your credit. However; when you get your
credit, report make sure that you do not get dinged for looking it up. One of
the best ways to check your credit report without it affecting your credit is
by using a service called Credit Karma.
Credit Karma is a free service to those that want to check
their credit report. However, they have a lot of other tools that you can use
to fix your credit as well. When using this service, you need to keep in mind
that it is going to have both reports, but there are times that the do not
update at the same time. So if you see that there is a bill on your report keep
in mind that it may take some time to fall off your report.
The items that you paid off will fall off of your credit.
However, it does take time. It all depends on how you paid the bill. A lot of the
time people pay with checks. By doing that they have a log of when they paid it
and how much they paid. But checks do tend to take longer to clear with the
companies as well as the banks. So keep that in mind that if you paid with a check
each time it is going to take time to clear and then it will come off of your report.
As a rule of thumb give it a month, if it still has not fallen off within the
month, then call the company and give them the last payment information from
your check so that they can look in their system. It could be something as
simple as someone did not update the system. Once you do that it will come off
your report within a week.
So, the next time you want to check and see how your credit
is doing and what the next bill is that you have to pay off remember that by
using Credit Karma you have that ability and it is not going to hurt your score
at all to check it.
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