A Financial Check-Up

I try to give myself a financial check-up every January. Mostly this includes checking my credit reports, looking up my credit score on credit karma, and reviewing my retirement accounts and re-balancing if necessary. This gives me a chance to make sure everything is where I think it should be, but also to review how far I've come and think about where I want to go.

Earlier this week I went to annualcreditreport.com to look up my credit report, don't be fooled by those free credit report services that actually charge you  money, this website allows you to access your credit report for free once every 12 months. I was happy to see no surprises.

I also checked out my credit score and was even happier to see my transrisk score to be 780 (it is steadily increasing) and my vantage score to be 923. According to the website a vantage score is:

Your VantageScore on Credit Karma was calculated based on information in your TransUnion credit report and follows a familiar academic scale for ease of understanding: A (901-990), B (801-900), C (701-800), D (601-700), F (501-600).

So as you can imagine I am very pleased! My goal is to continue what I'm doing so that my credit score stays high. My credit report card is all A's except for a B in the amount of accounts that I have. I'm okay with that B.

Last on my list are my retirement accounts. That always takes more thought and time then just checking in on my credit report and score.

photo by aldoaldoz