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These 5 Five Things Effect Your Credit Score, Do You Know What They Are?

Have you checked your credit report and score lately? I know, I know–one more thing to add to your financial “to-do” list. But before you get into overwhelmed mode, let me explain why checking your credit report and score at least annually is super important.

Your credit report is a huge file about you and your credit history. It includes your personal information, a summary of your financial accounts, if you’ve filed for bankruptcy in the past and any past inquiries made. Your credit report, along with your credit score, is used by lenders to determine how risky a borrower you are. So when it comes time to apply for that car loan, personal loan, student loan or mortgage, your credit report and score are extremely important. The better your credit history and credit score, the lower the interest rate on your loan. It is really important that you get in the habit of checking your credit report and score.

I recommend you add a reminder in your calendar to check your credit report and score every year on your birthday. This makes doing it super easy to remember. You can use online resources, like, to view your credit report, then pay a nominal fee to check your credit score.

Curious about what determines your credit score? Then watch this video, where I explain the five factors that determine your credit score.

If you have a friend who needs to know this information, forward this email to her and encourage her to sign up for the Financially Wise Women movement at

Love and Success,