Credit Score and free money

As you know, you can request your free creditscore once an year from each of the three credit bureaus at www.annualcreditreport.com. But, most of us need to know our score more than once a year for, let's say your mortgage (yes, there are islamic/Halal mortages), credit card application etc. For these reasons, I suggest you two great websites: creditkarma.com and creditsesme.com. Both provide your creditscores more than once a month, so you get to know your score whenever you want for free. They also provide free alerts like bill dues, charges, deposits etc. I certainly recommend them if you have not yet used. This way you are not in the dark regarding your credit history.

Now that you know your creditscore, why not use it for your good? If you have not opted out yourself from www.optoutprescreen.com, you should be receiving credit card offers in your mail. But don't just apply for each and every card because you will be damaging your credit score and secondly, they might not deserve you. Most of the credit cards offer signup bonus when you open a new account. Some are good and some are average.

Make good use of that new credit card.

If you have been discarding such mails, I suggest to look into Chase Freedom offer of $150 cashback after you spend $500 in the first three months. You can sign up here. If you have a score of about ~720, there are good chances to get approved. The best part with the Freedom card is 5% cashback on categories that change each quarter, so in no time you will start earning on your favorite purchases.This card does not carry any annual fee

Or, if you rather prefer 1.5% cashback on all purchases, you have Chase Freedom Unlimited. This card too offers $150 cashback after you spend $500 in the first three months. You can sign up here

If you want to go big, you can apply for American Express Premier Rewards Gold card. It will earn you 25,000 Membership Rewards® points after you use your new card to make $2,000 in purchases within the first 3 months of Card Membership. You can apply here

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