I've always had excellent credit. To me, I don't feel like it's that hard. Pay everything off. Anyway, I used to have a credit card that would give me my credit score for free. It was a very nice perk. However, a couple years ago they got rid of that feature...so I cancelled the card. So now it's been years since I've known my credi score. I guess I assumed since I've been making regular (over the minimum payments) every month that my score would still be super awesome.
James and I have a CitiCard and I recently saw on their website that they have an identity protection service that gives you your credit report/score. It's a bit costly, but the first month is free (as long as you remember to cancel before they bill you). So I subscribed to this service...just long enough to find out my credit info.
After looking over my credit report, I'm a bit disappointed. My credit score is 779. This is considered "good credit" which I should be happy about. But I'm not. It's lower than it's been in the past so I looked into my credit report more deeply to see why this was. It turns out the reason my credit score has gone down is because of my recent student loans that I took out for my Masters. This frustrates me. Why am I being penalized for furthering my education? James thinks once I consolidate my graduate loans that things will get better. I hope he's right....I want my EXCELLENT credit back!
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