Credit Karma & Credit Sesame – EXPERT FINANCIAL WEB TOOLS

Getting your financials in order is critical in living a life in balance.  TRUTH is like it or not, your credit score is a reflection of your financial reputation, which may open doors to your life dreams or make it incredibly difficult for you in achieving them.

From those whose financial reputations may be tarnished to those who have no clue, you can gain personal control of it my making more informed choices and practicing healthier financial habits for yourself starting today. The effects of doing so can drastically improve your life, decrease financial stress, and build on your self-esteem. I encourage my clients to make it their business to understand their financials and address any issues they may have. Our economy has brought on credit havoc to many, however one can be empowered to mend it and reap the rewards of doing so. It is possible! And for some, it can be an important part of healing and self-transformation process. Having the power to make past wrongs right,  one can begin to let go of it, develop a greater sense of self, and live more authentically in the present with greater hope for the  future. If this resonates with you, trust in the universe and give it a shot.  I also advise clients to  consult with a trusted financial expert to maximize your personal financial portfolio most effectively. Living in denial can be seductive, but the truth will forever be a formidable shadow to elude.

Although these sites do not provide the king of scores – FICO – it can provide general good insight to your credit situation. Currently, Discover it card provides monthly Transunion FICO scores on member statements.

I am indeed a fan of Credit Karma. It’s a great financial website tool that provides users with personal information to improve/stabilize their trans union credit score. It has a great feature called The Credit Score Simulator.It allows you to create custom “what-if” scenarios based on your individual credit report to determine the impact on your credit score.

Credit Sesame is another good site that provides a  free credit score each month, and monitor your Experian credit report at no cost. And will also send you daily monitoring alerts about changes to your Experian credit report.

They both provide a comprehensive expert learning and financial advice/tips archive that may help you make more informed financial decisions and guide you to a positive credit standing.  Here are just a sample of many articles you’ll have access to:

Five ways to improve your credit score;
10 Common Credit Myths That Could Be Costing You Money;
How not to open a new credit card.

BOTH SITES ARE SECURE & FREE:  Credit Sesame with McAfee and Credit Karma by TRUSTe and digicert.

Credit Karma  is a completely free pro-consumer service dedicated to demystifying the credit landscape. With our credit simulators, free credit scores, credit advice, and credit score comparisons, our goal is to empower consumers to more actively manage their credit and their financial health. SOURCE: creditkarma.com

Credit Sesame  is a free online personal finance tool that gives consumers an easy way to monitor and manage their credit and loans all in one place and save money on debt. It provides consumers with free access to their credit score, analysis, advice and tools to take control of their finances, unlock their credit potential and borrow smarter. The company was founded in 2010 and is based in Sunnyvale, California. SOURCE:creditsesame.com

SOURCE: www.polojeanlouis.com