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15 credit card perks you might not know about

Reader's Digest Logo By Sheryl Nance-Nash of Reader's Digest | Slide 1 of 15: Many credit cards now offer free FICO or VantageScore credit scores to cardholders, something that people used to have to pay to see. Some cards also send you alerts if something changes on your credit report, such as when you open a new credit card or loan. This can help protect you against identity theft. 'I use the CreditWise service from Capital One, and I got an email from them within minutes about a change to my credit report when I recently opened a new card (with another company, not Capital One), so I know it works,' says Adam Jusko, founder and CEO of ProudMoney.com.One thing to remember about free credit scores—they are great tools to track your progress, but every lender uses credit scores in different ways, so the info you get may not be the exact scores used by a lender in deciding on your loan or credit card application, notes Jusko. Check out these simple ways to improve your credit score.

Free credit scores and credit monitoring

Many credit cards now offer free FICO or VantageScore credit scores to cardholders, something that people used to have to pay to see. Some cards also send you alerts if something changes on your credit report, such as when you open a new credit card or loan. This can help protect you against identity theft. 'I use the CreditWise service from Capital One, and I got an email from them within minutes about a change to my credit report when I recently opened a new card (with another company, not Capital One), so I know it works,' says Adam Jusko, founder and CEO of ProudMoney.com.One thing to remember about free credit scores—they are great tools to track your progress, but every lender uses credit scores in different ways, so the info you get may not be the exact scores used by a lender in deciding on your loan or credit card application, notes Jusko. Check out these simple ways to improve your credit score.
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