Update: The email told me that I was late on one of my accounts, but didn't say which one so I signed up for Citibank Credit Monitoring for a 30 day $1 trial and I will call 1-866-279-9637 before the 30 days are over to cancel so that I only pay $1 instead of the regular $12.95 a month fee.
I found out that I had a bill for $2 on my Banana Republic card that I didn't pay! $2! I quickly paid it and I will have to call them up to make sure they remove it from my credit history.
If you have multiple credit cards, it can be difficult to keep on top of all of them all. I try to put all of my cards on automatic payments so that I am never late and I don't have to think about it.
Every once in a while something slips past the goalie.
Today was one of those days. I got an email that said the following:
| We found the following change on your TransUnion credit report on November 29, 2012: | |
 PAYMENTS You have become delinquent on 1 of your accounts. Details |
Once you know about this, find out which card it is and call them. You can almost always avoid any fees and dings on your credit just by asking them to take it off. As long as you take care of it right away, you'll be fine.
I had no idea that I was late on a credit card so I am really happy I signed up for Credit Sesame. I wouldn't have known about it otherwise!
Credit Sesame is completely free. They only make money if you use their partners, which you are under no obligation to sign up for.
You can get also a free yearly credit report (without a credit score) from annualcreditreport.com They give you a free report every year from each of the three credit agencies so you can get one every quarter as long as you get a different one.
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