What method do you pros use to keep track and monitor your credit score? The free credit reports don't give you a score. Do you pay for the monthly monitoring services like FreeCreditScore.com
(~$15/mo) or do you buy each report as needed? If so, how often?
Unlike what I originally thought, I have now learned that soft credit checks won't hurt your score. I used to avoid checking to avoid taking a credit hit.
One more question: I have just begun my first mortgage this December and because of this process have become more aware of my score and of the credit cards I carry. I want to open a new card based on recommendations on this site. Should I wait a certain time after starting this mortgage or can I get to it now?