Talk to a debt counselor toll free:800-300-9550
Our Clients Rate Us Excellent
Based on 3234 reviewsTrustPilot Reviews
You may know that you're entitled to your credit reports free from each of the three credit reporting bureaus every 12 months. What you may not know is that those credit reports will not include your credit score. So, you may have to spend money in order to see yours. For example, your FICO score, which is the one most commonly used by lenders, will cost you $20. But fortunately, some of the credit card issuers now offer their cardholders their credit scores free on a regular basis so you could keep track of your score without having to spend a single cent. Knowing your credit score is incredibly important because it shows potential lenders, employers, landlords and insurance providers that you're fiscally responsible – assuming, of course, that you are fiscally responsible.
You just bought a new smart phone, you're in hock to the cell phone provider for nearly $600 and splash! There it went into a puddle of water. Maybe you just dropped it on the driveway and it sort of exploded. Or you left it on that restaurant table and it's been stolen. Regardless of what happened, your credit card might be able to rescue you. Many of them offer purchase protection, which is also sometimes called "purchase security." What this means is that if something you bought with the card gets stolen or damaged you might be able to get reimbursed, have it repaired or get a replacement. The maximum offered by cards that come with purchase protection is generally $500 if the item is damaged or stolen. Unfortunately, this has to be within 90 days of when you bought the item. If your card does come with purchase protection be sure once again to read the fine print to see if there are any exclusions.