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6 Reasons That It’s Important to Check Your Credit Score

Modified on February 18, 2021 at 6:12 PM

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People who want to effectively manage their finances can benefit from checking their credit scores regularly. There are many benefits that you may see from checking your credit, including the ability to more easily monitor and manage your finances. These days, it is easy to access your credit report and reap the benefits. Read on to learn more about the six reasons that you should check your credit score on a regular basis.

1. Know When You May Qualify for Better Financial Products

One of the biggest reasons to check your credit scores regularly is to see when you may qualify for better financial products. For example, you may have obtained a credit card with a high interest rate when you had poor credit. If your credit has improved, you may be able to get a card with a significantly lower interest rate. The same holds true for other financial products. If your credit has improved significantly, you may be able to qualify for a lower interest rate on your mortgage, which could help you afford your dream home. Of course, you won’t know how much your credit has improved unless you check your credit score.

2. Respond to Changes In Your Credit More Quickly

If you check your credit report on a regular basis, you will be able to respond to changes in your credit more quickly. For example, you can see when a certain account has been reported as overdue. This will negatively affect your credit score. However, you can take care of this problem by quickly making a payment on the overdue account. If you have a history of late payments, this will still negatively affect your credit. However, your credit scores will not be hurt as much by a historical late payment as an account that is currently overdue.

check credit score

3. Learn How to Manage Your Finances More Effectively

Making checking your credit into a habit will help you learn how to manage your finances more effectively. When you have a better understanding of what hurts your credit, you will be able to set informed financial goals to improve your situation. The long financial history reflected on your credit report will also help you learn to take a long-term approach to your finances.

4. Prepare for Lender’s Responses to Your Applications

It is easy to be blindsided by a rejected loan application if you haven’t checked your credit beforehand. If you know what the current state of your credit is like, you can be prepared for accepted or rejected applications accordingly. You will even be able to prepare for loan applications that are approved at a high interest rate. 

5. Check the Accuracy of Your Credit Report

Credit bureaus go to great lengths to ensure your credit report is accurate. However, mistakes inevitably happen. These mistakes could range from an out-of-date address or a simple typo to a collections account that actually belongs to someone else. It is not unheard of for people to have a collections account on their credit report that actually belongs to someone with a similar name. This can hurt your credit quite badly, and you should report this to the credit bureau immediately.

girl on laptop

6. Get Information About Your Current Financial State

It can be hard to get a big–picture overview of your finances that reflects your current financial state. A comprehensive credit report will include your total amount of debt and information about whether you are up-to-date on your payments or not. While this isn’t a complete picture of your finances, it is an important component.

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Posted By The Fashionable Housewife
on February 18, 2021 at 5:10 PM
Filed Under: Finances
Tagged With: Credit, credit repair, credit score, finances, financial, financial advisor, personal finances

About The Fashionable Housewife

Sarah-Jean Ballard is the Editor in Chief of The Fashionable Housewife blog and Founder of Fashionable Media. Married to a sexy Molecular Biologist, housewife, mom to 5, homeschooler, Certified Personal Nutritionist and entrepreneur who's mission is to help moms just like you look and feel GREAT! Other interests include dancing, yoga, positive intactivism, natural birth and breastfeeding support, babywearing, paleo & gluten-free cooking, and promoting an overall healthy lifestyle to all.

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Sarah-Jean Ballard

Hi! I’m Sarah-Jean. I’m a Christian, the wife of a handsome Molecular Biologist, and the homeschooling mother of 5 beautiful kids!

I enjoy homesteading, reading, writing, cooking, baking, crafting, home decorating, Xtend Barre, and of course, fashion!

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𝕊𝕒𝕣𝕒𝕙 | Fashionable Homemaker & Mom of 5
Looking at pictures of my last birth makes me grie Looking at pictures of my last birth makes me grieve my baby in Heaven that I just lost a few weeks ago. 

Knowing all the firsts we won’t be getting. All the newborn snuggles, that new baby smell, the joy of breastfeeding, it’s all gone. Slipped through my fingers in a moment, for no reason. 

No one thinks it will ever happen to them. Nothing prepares you for the loss of your child and no one can fully understand and appreciate the intense level of grief and pain until it happens to you. And if you do not understand this kind of grief, consider yourself very, very blessed and fortunate. 

Sometimes being open to life, also means being open to loss. 💔

#miscarriage #miscarriagesupport #miscarriageawareness #lossmom
READ this post before you LIKE it. 💔💔💔 A READ this post before you LIKE it. 💔💔💔

A few weeks ago, we were planning to announce that baby #6 would be joining our crew in January 2023, but instead we've been processing the death of our beloved child... 

At our 20 week anatomy scan, when we were joyfully expecting to see what our little babe looked like, we were met the words that will haunt us forever - "We can't find a heartbeat."

Two days later, we found ourselves in a foreign environment, after 5 beautiful homebirths, naturally delivering our stillborn son in a hospital. 

Dylan Marinus Ballard was born on August 31st, (our first son's birthday) at 6:43pm and weighing only 7.5 oz. 

Tearfully and filled with grief beyond words, we had to say hello and goodbye at the same time. Our beautiful son. 

Seeing his face, holding his tiny body, and admiring his little toes that looked just like daddy's was just a glimpse into the miracle of life that God allows us to partake in. When you fully realize the sanctity of human life, it makes it even harder to say goodbye. Not being able to take my baby home with me was the most gut wrenching, heartbreaking pain imaginable. It is a pain unlike all others that only mothers who have lost a child can even begin to understand. 

The hardest part of losing a child, is living everyday afterwards. It's such a devastating loss, a loss so unimaginable, that you have no idea how you will get through each day or survive the grief that is in your heart. No matter what age a child is, a parent's heart is forever tied to that child and there's nothing that will break that tie, including the passing of time. That's the beauty of unconditional love. 

Our only consolation is knowing that our little saint is in the loving arms of Jesus now. We look forward to meeting him in Heaven someday.

📷 birth photography by Melissa Lee Photography

#griefjourney #griefandloss #miscarriage #miscarriageawareness #griefawareness #griefislove #itsokaynottobeokay #largefamily #largefamilymom #bigfamily #bigfamilylife #lossmom #pregnancyloss #momlife #pregnancylossawareness #stillbirth #stillborn #stillbornstillloved #stillbornawareness #babyloss #miscarriagemomma #bereavedparents #lossmoms
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Need an easy solution for dinner but don’t want Need an easy solution for dinner but don’t want fast food? @wildgrainbox delivers bake-from-frozen breads, pastries, and fresh pasta right to your door!

Clean ingredients, real sourdough, artisanal pastries, hand cut fresh pasta, eco friendly shipping, and they support small bakeries! 👩🏼‍🍳

Every item is freezer to table in 25 minutes or less so you can enjoy homemade quality food, FAST. I whipped up a loaf of sourdough bread and delicious pasta with marinara sauce in under 30 minutes for me and my husband to enjoy a little date night at home. It was like going to a fancy Italian restaurant, but we go to eat in our pajamas!

We love that Wildgrain is passionate about delivering slow-fermented sourdough bread‘s, fresh pasta, and artisan pastries directly to your door and I love that they are local to me! 

WANT TO TRY IT?! The first 50 people to use my coupon code and link can get $30 off their first box PLUS free croissants in every box! 

Use coupon code FASHIONABLEWIFE to snag this deal QUICK! 💃🏼

LlNK in bio and in stories! 🛒

#momlife #homemaker #mywildgrain #datenightideas
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🥳Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link in my bio! 🥳

#momlife #homemaker #homelifestyle #kitcheninspo
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By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact & cute sizes. These are designed for cooking smaller portions and make the perfect complement to your current Caraway collection. 

Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link! 🛒

⁣LlNK is in my bio and stories! 💃🏼 Or use code FASHIONABLEWIFE-MINI22 
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#cottageliving #decor #decoration #farmhouselove #hgtv #homedesign #interior #interiordecor #interiorstyling #kitchendesign #kitchendiner #kitcheninspo #kitchenremodel #kitchenrenovation #kitchensofinstagram #magnoliahome #modernfarmhouse #modernfarmhousestyle #neutralabodes #neutraldecor #neutralhome #neutralkitchen #neutralstyle #neutraltones #newbuild #newbuildhome #newbuildjourney #quartzworktops #shakerkitchen #whitekitchen
Can you imagine a more beautiful thing?! I can’t Can you imagine a more beautiful thing?! I can’t! 🤣

My son is loving our @treasuresfromjennifer calendar and keeping track of the days now. He keeps telling me how many days it is until the first day of fall rather than asking me 900 times “when is it going to be fall, mama?!” 😜

Do you have a calendar or weather board in your home for your children? 

#homeschoolmom #homeschoolroom #homeschoollife #homeschoollookslikethis
Anybody else excited about apple picking season?! Anybody else excited about apple picking season?! 🍎 

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What’s your favorite thing about September?! 

#septembervibes #fallinnewengland #fallvibes #applepickingseason #fallinnh #newenglandfall #newenglandlife #newhampshirefall #appleorchards
Introducing Theology of Home III: At the Sea 🌊 Introducing Theology of Home III: At the Sea 🌊 

This is the newest release in the amazing book series by @carrie.gress and @noellemering from @tan_books !! 

A must-have for homemakers, At The Sea draws from literature, mythology, and scripture to show readers the rich connections between the sea and mystery, recreation, yearning, and joyful reunions.

Within these pages you’ll find inspiration for home, womanhood, and family. Learn more about water in Scripture, Our Lady as Stella Maris, and more. This book is beautifully laid out and includes breathtaking photography that will capture your heart. 

It would make a beautiful gift or a lovely addition to your book collection. 

Use the TAN Books link in my bio to shop and use ✨coupon code RAISINGWILD-15 for 15% off!✨

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Looking at pictures of my last birth makes me grie Looking at pictures of my last birth makes me grieve my baby in Heaven that I just lost a few weeks ago. 

Knowing all the firsts we won’t be getting. All the newborn snuggles, that new baby smell, the joy of breastfeeding, it’s all gone. Slipped through my fingers in a moment, for no reason. 

No one thinks it will ever happen to them. Nothing prepares you for the loss of your child and no one can fully understand and appreciate the intense level of grief and pain until it happens to you. And if you do not understand this kind of grief, consider yourself very, very blessed and fortunate. 

Sometimes being open to life, also means being open to loss. 💔

#miscarriage #miscarriagesupport #miscarriageawareness #lossmom
READ this post before you LIKE it. 💔💔💔 A READ this post before you LIKE it. 💔💔💔

A few weeks ago, we were planning to announce that baby #6 would be joining our crew in January 2023, but instead we've been processing the death of our beloved child... 

At our 20 week anatomy scan, when we were joyfully expecting to see what our little babe looked like, we were met the words that will haunt us forever - "We can't find a heartbeat."

Two days later, we found ourselves in a foreign environment, after 5 beautiful homebirths, naturally delivering our stillborn son in a hospital. 

Dylan Marinus Ballard was born on August 31st, (our first son's birthday) at 6:43pm and weighing only 7.5 oz. 

Tearfully and filled with grief beyond words, we had to say hello and goodbye at the same time. Our beautiful son. 

Seeing his face, holding his tiny body, and admiring his little toes that looked just like daddy's was just a glimpse into the miracle of life that God allows us to partake in. When you fully realize the sanctity of human life, it makes it even harder to say goodbye. Not being able to take my baby home with me was the most gut wrenching, heartbreaking pain imaginable. It is a pain unlike all others that only mothers who have lost a child can even begin to understand. 

The hardest part of losing a child, is living everyday afterwards. It's such a devastating loss, a loss so unimaginable, that you have no idea how you will get through each day or survive the grief that is in your heart. No matter what age a child is, a parent's heart is forever tied to that child and there's nothing that will break that tie, including the passing of time. That's the beauty of unconditional love. 

Our only consolation is knowing that our little saint is in the loving arms of Jesus now. We look forward to meeting him in Heaven someday.

📷 birth photography by Melissa Lee Photography

#griefjourney #griefandloss #miscarriage #miscarriageawareness #griefawareness #griefislove #itsokaynottobeokay #largefamily #largefamilymom #bigfamily #bigfamilylife #lossmom #pregnancyloss #momlife #pregnancylossawareness #stillbirth #stillborn #stillbornstillloved #stillbornawareness #babyloss #miscarriagemomma #bereavedparents #lossmoms
Some of my favorite fall eats here! 😋 What ar Some of my favorite fall eats here! 😋 

What are your favorite fall comfort foods???

#momlife #homemaker #octobervibes #feelslikefall
Need an easy solution for dinner but don’t want Need an easy solution for dinner but don’t want fast food? @wildgrainbox delivers bake-from-frozen breads, pastries, and fresh pasta right to your door!

Clean ingredients, real sourdough, artisanal pastries, hand cut fresh pasta, eco friendly shipping, and they support small bakeries! 👩🏼‍🍳

Every item is freezer to table in 25 minutes or less so you can enjoy homemade quality food, FAST. I whipped up a loaf of sourdough bread and delicious pasta with marinara sauce in under 30 minutes for me and my husband to enjoy a little date night at home. It was like going to a fancy Italian restaurant, but we go to eat in our pajamas!

We love that Wildgrain is passionate about delivering slow-fermented sourdough bread‘s, fresh pasta, and artisan pastries directly to your door and I love that they are local to me! 

WANT TO TRY IT?! The first 50 people to use my coupon code and link can get $30 off their first box PLUS free croissants in every box! 

Use coupon code FASHIONABLEWIFE to snag this deal QUICK! 💃🏼

LlNK in bio and in stories! 🛒

#momlife #homemaker #mywildgrain #datenightideas
Introducing Caraway’s most requested products, t Introducing Caraway’s most requested products, the NEW Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact and cute sizes!! 

These are designed for cooking smaller portions and are a perfect complement to your current Caraway cookware collection. 

🥳Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link in my bio! 🥳

#momlife #homemaker #homelifestyle #kitcheninspo
What better way to welcome fall than with @caraway What better way to welcome fall than with @caraway_home latest products, the Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact & cute sizes. These are designed for cooking smaller portions and make the perfect complement to your current Caraway collection. 

Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link! 🛒

⁣LlNK is in my bio and stories! 💃🏼 Or use code FASHIONABLEWIFE-MINI22 
.⁣
.⁣
.⁣
.⁣
.⁣
#cottageliving #decor #decoration #farmhouselove #hgtv #homedesign #interior #interiordecor #interiorstyling #kitchendesign #kitchendiner #kitcheninspo #kitchenremodel #kitchenrenovation #kitchensofinstagram #magnoliahome #modernfarmhouse #modernfarmhousestyle #neutralabodes #neutraldecor #neutralhome #neutralkitchen #neutralstyle #neutraltones #newbuild #newbuildhome #newbuildjourney #quartzworktops #shakerkitchen #whitekitchen
Can you imagine a more beautiful thing?! I can’t Can you imagine a more beautiful thing?! I can’t! 🤣

My son is loving our @treasuresfromjennifer calendar and keeping track of the days now. He keeps telling me how many days it is until the first day of fall rather than asking me 900 times “when is it going to be fall, mama?!” 😜

Do you have a calendar or weather board in your home for your children? 

#homeschoolmom #homeschoolroom #homeschoollife #homeschoollookslikethis
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