I'm curious how often members check their credit scores and get their credit reports.
Personally, I don't really see the benefit to paying for either of these. I know consumers are entitled to one free credit report per year per CRA, and I just started getting mine last year on a revolving basis. So, I get my report from one of the agencies every 4 months (I'll pull EQ in Feb, EX in Jun, and TU in Oct). I realize they don't all have the same information, but I figure this is a good enough method to keep tabs on everything.
I also don't pay for credit scores. I use CK. Of course, this isn't a real FICO but it's free and should give you a very, very
broad idea of your progress, right? My Walmart card gives me my monthly FICO from TU (again, I realize this isn't exhaustive; EQ and EX FICOs will differ).
The point is I feel this is good enough for my needs, but I would like to know what other members do to suit theirs. I notice many of you have updated scores on your signatures. Maybe many of you just earn decent money and figure paying for scores is no big deal and worth the info? Or maybe many of you are just more disciplined at all this than I am.