Here’s What YOU Need to Know About Your Credit Score

This could be you. That is, if you don’t use a credit repair company like the ones outlined by AAA Credit Guide’s special report.

Here’s what you need to know about your credit score:

While the annual pace of new-home buyers has been steadily increasing during the first quarter of 2017, there’s one statistic that far too many people fail to recognize that also rises in connection with new home buyers, and that’s new home buyers with damaged credit ratings after buying their home.

For many, the process of buying a home can often leave them with an unintended surprise, and that’s a credit rating that suffers a massive downgrade after signing the papers on their mortgage.

While the mortgage application process can certainly be intrusive on just about anyone’s personal financial records, the main knock to a new home buyer’s credit rating comes from the combination of hard credit checks while applying for a mortgage, the increase in outstanding debt that adding a $300,000 mortgage to your has, as well as the credit applications that often follow for new home-related purchases like furniture and landscaping materials.

First time home owners like Bryan Lee, a 30 year old teacher living in Albany, New York who just purchased his first home a few months ago noted that his credit score decreased from a 755 before buying his home to now just three months later coming in at 587, a drop of 168 points within a three month period.

“I couldn’t believe how much my score had dropped” noted Lee, “I found out just how bad it was when I went to lease a new car and was turned down for having bad credit. I couldn’t believe it.”

For many, this newly lowered credit score can put a serious hold on everyday activities, and make things like buying a new car much more difficult than they would have been just a few months prior, and to compound the issue, most people assume that all they can do is grin and bear it and wait for their score to slowly rise back to its former strength.

However, some smarter home buyers are turning to credit repair companies to help them quickly rebuild their credit scores and undo some of the damage done when they bought their home.

“I knew that I couldn’t afford to just sit and wait and hope for the best when it came to my credit score so I figured the best option would be to reach out to a credit repair company and hope that they could help get things moving a little quicker” said Lee when asked about his plans for repairing his credit. “Thankfully I found a credit repair company that was very responsive and very helpful with my scenario, helped explained my options and helped me get things sorted out. I’m happy to say that 4 months after getting turned down for having poor credit my credit score is back up to 730 and rising.”

Like Bryan Lee, many first time home buyers have been turning to credit repair companies to help them rebuild their credit, with most people reporting that their scores have started rising again shortly after beginning work with these companies and taking proactive measures to rebuild their credit one day at a time.

Of course, preventing your credit score from suffering a drop like this is always preferable, in situations where it’s unavoidable, taking action and getting a credit repair company involved may be your best option to get on the road to recovery as quick as possible.

5 Best Mobile Apps to Monitor Your Credit Score

Your credit score is a very important aspect of your financial health. This number is used to determine what financing terms and interest rates you pay – or whether you can get financing or credit in the first place.

Having a bad credit score is really frustrating. You may be turned down for a home loan, auto loan, new credit card, or even a job.

Today we review 5 best mobile apps that allow you to get a free credit score and manage your finances on the go. Let’s get started!

Credit Karma

Credit Karma is one of the most well known credit monitoring sites, and they offer an iPhone app so that you can keep track of your credit score on the go. Credit Karma is completely free, no credit card or paid subscription is necessary, and it provides your TransUnion credit score and shows you what factors affect this score.

With Credit Karma each section of your credit score is graded, and there are useful tips about what you need to work in so that your overall score is improved. While Credit Karma is available at no cost your credit score is only updated every 30 days.

Credit Sesame

Credit Sesame also allows you to monitor your credit score without any cost or charges, and no credit card is required. Many consumers like this app because it has an easy to use layout and is simple to understand.

Credit Sesame app shows you where your credit score may be lacking and provides suggestions on improvements that you can make to certain score aspects like debt to income ratio or past due accounts. Your score and relevant information is updated every 30 days.

Bill Guard

BillGuard is not a true credit monitoring app per se, but it is an app that can help you properly manage your finances and bills so that you maintain a good credit history and a higher credit score.

This app offers an analysis of your spending so you know exactly where your money is going, and it provides alerts about any fraudulent activity on your financial accounts within a short time period of this activity. There is no cost to use the BillGuard app and you can link together all of your financial accounts including bank accounts and credit accounts. BillGuard can give you financial peace of mind while protecting or helping you improve your credit score.


myFICO is one of the oldest credit monitoring services offered online, and it has been around for quite some time. Now there is a mobile app as well, letting you get into your myFICO account and giving you access to all 3 credit bureau scores instantly.

This app does require a subscription to use and there is typically a cost involved, but in exchange you will get live updates and notifications whenever your credit score changes with one of the major credit reporting agencies. You even have the ability to set specified thresholds if desired with this monitoring app. Many consumers are willing to pay a subscription fee in order to get these benefits and access to all 3 of their credit scores. is another credit score monitoring app that is completely free to use, and this program updates approximately every 30 days.

You can access your Experian credit score, find tips and suggestions on raising your credit score, and even learn why specific factors affect your score in certain ways.

Which Credit Monitoring App You Like The Most?

Have you used any of the apps listed above? Did you find them helpful? Let us know in the comments!

About FileDen

What is FileDen?

FileDen is a free online file hosting and online back up service that has been providing free and premium file hosting plans for more than 10 years. In that time, we have served more than two million users and host more than 14 million files in our private datacenter. We have been providing a quality service since 2006 and have recently moved to a scalable, cloud based infrastructure with a 99.99% uptime backed by the DigitalOcean SLA. Your files can be accessed worldwide, anytime and anywhere on all of your devices. All FileDen users are allowed to hotlink without annoying download pages or long wait times that come with other free file hosts.

Service Model

FileDen provides a freemium service model. Users can pick either the basic account that is free, allows hotlinking, 1 gigabyte of personal storage space, 100 megabyte maximum uploaded file size, 5 gigabytes of monthly data allowance (bandwidth), and much more. Premium accounts not only have premium support through Twitter, Facebook, and ticketing system, but also 15 gigabytes of personal storage space, 1 gigabyte maximum uploaded file size limit, and up to 150 gigabytes of monthly data allowance (bandwidth).

Download Speeds

During peak times, in particular in the evenings in the United States, thousands of people at once are downloading files from FileDen which can result in some slow downs for free users. We try hard to keep things running smoothly during such times and if you need guaranteed fast downloads 24/7 we recommend you upgrade to one of our premium plans. Premium users access the site through different servers and will notice no drop in performance during peak times.

What is Bandwidth?

Bandwidth is a measure of the amount of data being moved in and out of your FileDen account. For example, if you have a file that is 5 megabytes and 100 people download it daily for a month, you would use 500 megabytes of bandwidth per day, or, effectively, 15 gigabytes per month.

Bandwidth Usage

Bandwidth is allocated at the first of every month. If you feel like your bandwidth is being up faster than you had intended, it could be due to a number of reasons. If you think your bandwidth is being used faster than expected, the first thing to try is to rename your files or move them into a new folder which subsequently changes the links. Some spiders that crawl the internet can find your files on websites you post them on resulting in far more bandwidth being used than expected. Remember, if you need more bandwidth, you can always upgrade to one of our premium plans.

Dedicated Storage Pods

For users who are looking for more than what our basic and premium accounts provide, we provide dedicated storage pods. Dedicated storage pods have a capacity of 8 terabytes per pod and can be physically accessed in the FileDen datacenter in Los Angeles, California. Physical access is provided at no charge for users with 5 or more dedicated storage pods. Pods start from $249 per month per pod and are discounted in bulk.

Here’s Why a .50 Caliber Bullet May Be the Ideal Gift for Your Groom

It’s not everyday that you need a groomsmen gift, so when the special time comes, you need to be prepared. When deciding what gift to pick, it’s important to be out of the box, unique, and not something that everybody gifts (nobody likes receiving something that they already own, and groomsmen are no exception!) In this high risk, high reward culture of groomsmen gifts, what should you purchase?

You could go with something generic, like square cufflinks, but even personalizing those isn’t likely to get anybody’s attention. You need something flashy, something that sets the bar high for other attendees, and that’s why you need .50 caliber bullet bottle openers from!

In an interview with a real groom, I asked what the ideal gift for him would be. The answer is as follows…

“I don’t have an ideal gift in mind, and that’s the beauty of picking one for a groom. It’s a special day for the groom, and one that won’t be forgotten for years to come (and that’s saying something). You don’t want your gift to be the run of the mill, generic plastic crap that they have on the shelves at Target. For me personally, I want something that I would never expect in a million years. When I open the packaging and unwrap the gift, I want to have no idea what’s in the box. I’ve remarried twice, and at the ripe age of 56, I know a thing or two about gifting and receiving gifts. The oddest thing that I received as a gift was a live chicken. Yes, somebody decided that it would be funny to buy a chicken, bring me out back, and show me it. At first I was confused and asked him why he brought his chicken in the trunk, but when he laughed and said that it was my chicken and he brought it as my gift, I laughed, opened a beer with him, and we continue to laugh at it to this day.”

On the topic of beer, let’s be real here: man to man, there are only a few things that make a day memorable. One of those things is beer. While you may lose that uncanny NFL cufflink you got, you won’t lose the beer bottle opener that… wait for it… it’s made from a bullet. When looking to get a gift for a groom, get them something that they’ll actually use; you know what they say: a bottle of beer a day keeps the doctor away. While your groom is cracking open a nice, cold bottle of beer, they’ll use that bottle opener you got them and you can be sure as hell that they won’t forget it.