I’ve spoken before about how to get your credit report for free. I’ve also said that you shouldn’t waste your money on online credit monitoring services. However, if you believe that you’ve used a credit card at Home Depot after April 1, 2014 (note: you don’t have to supply any proof, or even a declaration), you’re eligible for one year of free Equifax Premier Credit Monitoring, which allows you to update your credit report and see your consumer disclosure score on a daily basis.
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I was just sitting on the sofa, and got an email from Equifax saying there’s been a “rate change” to a credit report. I logged in and saw that the credit score dropped significantly. I dug deeper, and I saw that a credit card was listed as being late, as “bad debt.” WHAT. THE. HELL!? I’ve never missed a payment in my life.
Everybody should take a look at their credit report once in a while, and especially if you churn cards. Some readers are rightfully concerned about how all these new entries on their credit report look, and have asked: How do I check my credit report?
In this series, ‘The Churn’, I will examine the multifaceted aspects of churning credit cards, probably the quickest and most used way to get free flights and other travel credits fast.