My Credit Monitoring Wake-Up Call
There was a time in my life when I used to treat checking my credit like changing the batteries in the smoke detector. It’s something you only remember to do when it starts beeping at 2am.
Oh, how naïve I was.
Let me take you back to the moment I realized your credit score isn’t just important, it’s your financial backbone.
It All Started with One Cent…
There I was, adulting like a champ, when I saw a weird blip in my bank account. One cent. Then two. Then another cent. My brain thought, “Weird, but free money?” Turns out, it was less of a gift and more of a red flag.
Then things got sketchy. Suddenly, my credit card started showing charges for expensive sneakers and electronics in cities I hadn’t even been to.
Then an insult to injury. A late notice came in that I’d missed my phone bill.
Excuse me?! I mailed that check on time. Every single month. (Back when paying bills meant handwritten checks and stamp-licking commitments. Ancient times, I know.) I was never late.
It didn’t take long to connect the dots: I’d been identity-jacked.
Cue the dramatic music. There were countless hours of calls, disputes, and general frustration. I was sinking in fraud claims. That mess consumed a ton of time to clean up. I swore then and there I’d never be that unaware again.
Credit Is Queen (Cash Can’t Do It Alone)
Look, I’m all for cash. Cash is king. But credit? Credit is the queen who signs the royal decrees.
If your credit score is wrecked, so are your chances of getting approved for business or real estate loans, financing that next fix-n-flip, or even passing application checks for commercial leases or insurance.
Yep, your credit’s in the driver’s seat.
And yet, we treat credit monitoring like it’s some optional gym membership. It’s not. It’s more like regular doctor checkups. It’s annoying but totally necessary.
Monitoring Isn’t Paranoia. It’s Smart Business.
In just one year, over $16 billion was stolen from 15.4 million people. That’s not just bad luck but a wake-up call.
Credit monitoring helps you:
- Catch identity theft before it becomes a headline in your inbox
- Spot reporting errors that tank your score
- Know what you actually qualify for before applying for funding
Because in business, nothing kills momentum faster than a “denied” stamp.
What I Use
I now use MyScoreIQ, and I recommend it to clients, family, friends, and anyone who values their financial health. It gives you the full credit squad: TransUnion, Equifax, and Experian. Plus, it alerts for weird activity, dark web surveillance, and a $1 million stolen funds reimbursement policy in case things go sideways.
It’s like having a credit bodyguard who never sleeps.
And the best part? You can try it for a week for $1. Yes, one dollar. It’s soft pull, so it won’t ding your credit score.
What You Get:
- Monthly 3-bureau credit reports
- Checking Account Report
- Alerts of crimes committed in your name
- Application monitoring & fraud alerts
- Lost wallet help (because it happens to the best of us)
- Even monitoring of your social security number and file-sharing networks
- And yes, dark web scanning (spooky, but important)
Don’t Wait for a Crisis to Care
Seriously, don’t be like me, frantically calling your bank and credit card companies with a knot in your stomach and a growing sense of dread. Save yourself the stress.
For $1, you can check your credit today. Not tomorrow or “next payday.” Today.
👉 Click here to do a soft pull of your credit report for $1:
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