Check Your Own Credit - KFVS12 News & Weather Cape Girardeau, Carbondale, Poplar Bluff

Cape Girardeau, MO

Check Your Own Credit

Check Your Own Credit
By: Wes Wallace

CAPE GIRARDEAU, Mo. - If you charged too much during the holidays, you're probably dreading your next credit card statement.  However, there are some ways you can help improve your money matters.

Lee Schlitt with Capaha Bank offers some simple advice that really goes a long way.

He suggests logging online to get a free credit report, and check it once a year just in case something is there that doesn't belong.

"You could have a doctor's bill or something very minor that could get on your credit report.  Maybe it's not supposed to be there, a wrong social security number or name mixed up and yet you didn't even do it," explained Schlitt.

Schlitt also recommended using all three major credit reporting agencies, like Experian, Transunion, and Equifax. They'll show you any lines of credit, whether it's an in-store card or a mortgage or other loan.

Schlitt said you need to have some open balance, because you don't want zero credit, "That's the point of looking at your credit history...to show you do pay your bills on time."

Having too much credit can hurt you as well.

"It's OK to have them (credit cards), if you show you have 25 cards, and you're not using them, it could show you have and could possibly access thousands of dollars in credit, whether you're using it or not."

Schlitt recommends comparing several credit reporting agencies, because you might find some differences.

Click here to get a free credit report.

  • Heartland NewsMore>>

  • This week in music: 1984

    This week in music: 1984

    Monday, August 20 2018 7:31 AM EDT2018-08-20 11:31:50 GMT

    Let's do a little time traveling.  This morning we head back to the 80's, specifically the late summer of 1984. 

    Let's do a little time traveling.  This morning we head back to the 80's, specifically the late summer of 1984. 

  • Dorena-Hickman Ferry closed for dredging work

    Dorena-Hickman Ferry closed for dredging work

    Tuesday, August 21 2018 6:54 AM EDT2018-08-21 10:54:15 GMT
    The ferry is closed for dredging work (Source: KFVS)The ferry is closed for dredging work (Source: KFVS)

    A ferry between Kentucky and Missouri is closed this week while dredging work is completed.

    A ferry between Kentucky and Missouri is closed this week while dredging work is completed.

  • First Alert: Cool, gloomy day with scattered showers

    First Alert: Cool, gloomy day with scattered showers

    Tuesday, August 21 2018 6:44 AM EDT2018-08-21 10:44:03 GMT
    Tuesday's cool down will last through the week (Source: James Gullage of Humboldt, TN)Tuesday's cool down will last through the week (Source: James Gullage of Humboldt, TN)
    Tuesday's cool down will last through the week (Source: James Gullage of Humboldt, TN)Tuesday's cool down will last through the week (Source: James Gullage of Humboldt, TN)

    Laura Wibbenmeyer says the best rain chances will be in our northeastern half of the Heartland.

    Laura Wibbenmeyer says the best rain chances will be in our northeastern half of the Heartland.

  • Trending StoriesTrending StoriesMore>>

  • Man admits slaying wife, blames her for daughters' deaths

    Man admits slaying wife, blames her for daughters' deaths

    Tuesday, August 21 2018 12:15 AM EDT2018-08-21 04:15:23 GMT
    Tuesday, August 21 2018 8:30 AM EDT2018-08-21 12:30:18 GMT
    Christopher Watts, 33, faces three first-degree murder charges, two counts of murdering a child under 12, one count of unlawful termination of a pregnancy and three counts of tampering with a deceased human body. (Source: Weld County Sheriff/KMGH/CNN)Christopher Watts, 33, faces three first-degree murder charges, two counts of murdering a child under 12, one count of unlawful termination of a pregnancy and three counts of tampering with a deceased human body. (Source: Weld County Sheriff/KMGH/CNN)

    The father of two told police in court papers released Monday that he killed his pregnant wife after witnessing her strangling one of the girls on a baby monitor.

    The father of two told police in court papers released Monday that he killed his pregnant wife after witnessing her strangling one of the girls on a baby monitor.

  • US deports former Nazi camp guard, 95, to Germany

    US deports former Nazi camp guard, 95, to Germany

    Tuesday, August 21 2018 4:18 AM EDT2018-08-21 08:18:16 GMT
    Tuesday, August 21 2018 8:29 AM EDT2018-08-21 12:29:28 GMT
    The deportation of the 95-year-old former concentration camp guard, Jakiw Palij, came 25 years after investigators first confronted him about his World War II past and he admitted lying to get into the U.S. (Source: Department of Justice)The deportation of the 95-year-old former concentration camp guard, Jakiw Palij, came 25 years after investigators first confronted him about his World War II past and he admitted lying to get into the U.S. (Source: Department of Justice)

    The White House says a 95-year-old former Nazi concentration camp guard has been deported to Germany, 14 years after a judge ordered him deported.

    The White House says a 95-year-old former Nazi concentration camp guard has been deported to Germany, 14 years after a judge ordered him deported.

  • Woman killed by alligator on Hilton Head Island

    Woman killed by alligator on Hilton Head Island

    Monday, August 20 2018 10:54 PM EDT2018-08-21 02:54:00 GMT

    A woman was attacked and killed by an alligator Monday morning in the Sea Pines area on Hilton Head Island.

    A woman was attacked and killed by an alligator Monday morning in the Sea Pines area on Hilton Head Island.

Powered by Frankly