If you want to establish good credit, you have to actively monitor and manage your credit history. We've compiled a number of important resources to help you access your credit information and take actions to improve your scores.
We've also included the credit cards we use for cash back rewards, as well as links to the top credit card review sites...
AnnualCreditReport.com: By law, you're allowed to obtain a free credit report every 12 months from each reporting agency. It's a good idea to make sure your information is correct and up to date, and to ensure there's no unauthorized activity in your name. AnnualCreditReport.com is the only official site explicitly directed by federal law to provide credit reports for free.
Credit Sesame: This site provides a free credit score from TransUnion updated every month, as well as credit strategy, and personalized tips to manage your credit and loans.
CreditRepair.com: If you're credit scores are low and you want to improve them, this site focuses primarily on helping you increase your scores. You can get a free consultation, evaluation, and recommended plan.
Consolidated Credit: If you have a lot of credit card debt, you may want to consider consolidating it into one monthly payment. Get a free Debt Analysis to help you analyze your options.
Prosper: This is a great resource for getting personal loans with a low rate, single monthly payment, and fixed term. These loans can be used for debt consolidation, home improvement, or starting a business.
Debt.org: If your debt has gotten out of hand, Debt.org offers a number of services to help. They provide Debt Management Plans, Debt Consolidation, and Debt Settlement programs.
NFCC Credit Counseling: Sometimes it helps to speak with a professional. At NFCC, you can schedule an appointment with a certified credit counselor to help you find solutions to your credit and debt issues.
Capital One: We use their Quicksilver Reward card for everything other than restaurants, travel, and gas. You get 1.5% cash back on every purchase, there's no annual fee, and they offer a $150 new member bonus.
Citi Costco Visa: We use this card for Gas (4% cash back), Restaurants (3%), Travel (3%), and of course shopping at Costco (2%). There's also a business card version, and there's no annual fee for either.
Nerdwallet: If you need some unbiased credit card reviews, check out Nerdwallet. They do a great job of reviewing all the cards out there and helping you find the card that's right for you, whether you're looking for cash back, travel rewards, or low interest.
The Points Guy: This site primarily specializes in credit cards that offer travel rewards. They also feature travel deals and provide reviews on flights and hotels.
Notes / Disclaimers:
- The rates and terms listed above are subject to change. Always double-check the information on the company's website.
- Some of the links above are affiliate links. If you go through those links we may get a nominal referral fee. However, be sure to know we don't base our recommendations on whether there's an affiliate offer. It's simply a modest way to support our site.