I’ve been watching my credit for free for the past year or so at TrueCredit.com. Keeping track of my credit online lets me know what to expect if I apply for a new loan or line or credit, and lets me know right away if something incorrect is showing up. TrueCredit.com includes a free credit score (not included in most free credit reports), and provides graphs of your debt-to-income ratio, available credit, balances/payments, and total debt over time. Once you sign up, your free membership includes:

• Secure login access to your online credit products and historical data
• Easy one-click ordering of updated credit management products
• Optional subscription to our free credit education newsletter
• Exclusive members-only discounts

Here’s a link for the free membership They have a nice refer-a-friend program, too, where you get a $100 Target giftcard if you refer 5 friends.

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