The Money Mindset Podcast

#188 How Often Should You Check Your Credit Report

November 16th, 2023

Welcome back to another episode of the Money Mindset podcast! Today, we're tackling a crucial question: "How often should you check your credit report?"

Things have changed, and now you can get a free report every week from each credit bureau in the US. We're here to guide you on the best way to use this free service without making it a weekly chore.

Let's explore together how often you should really be keeping an eye on your credit and why it matters for your financial well-being.

Hosting Today:

Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier.

I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems.

Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others.

“It's important to check it periodically. Put a freeze on your credit report so that, hopefully, new charges aren't brought, but it's not foolproof, like I said. Know your rights because consumer protections are there to help protect you. And so knowing what your options are when it comes to your credit score, your credit report is very important.”
- Ashley Patrick

00:54 - Introduction
01:34 - Frequency recommendations
03:02 - Checking your credit report regularly
05:01 - The importance of knowing your rights
07:51 - Freezing your credit report
10:55 - Implementing a routine
11:37 - Wrapping up and actionable steps

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