I subscribed to both the Experian and Transunion apps. Both I quickly open either app and lock or unlock my credit(Transunion allows you to lock/unlock Equifax too).

I can also see my credit scores as much as I want and ensure that I am using no more then 30% of my total accumulated credit limit. For example say I have 10 credit cards equally $100,000 combined then as long as don't have credit debt higher then $30,000 my credit remains good to very good to excellent. Your score will be negatively affected if your debt went to 31K and higher.

Another good thing is both apps alert me immediately when theres a change to my credit.

I pay about $50 a month for both, expensive yet well worth it especially if your looking to buy a house(s) and you overall really care about your financial health/score for present day or the future.

I pay nothing for these services, have lived rent free for 3 years, purchase and pay off my credit cards to the tune of $2000 a month, and just bought a house hundreds of thousands over 500k with an interest rate 1.75% below what is shown on Google for the current rates for 30 year fixed rate. The lender credited me for all points. You don't need to waste 50 a month.

That's cool and I was explaining how these apps have proved valuable and prove valuable to me. It is a bit of a racket, but I learned a lot by using them and able to lock/unlock my credit instantly (easily) and the other points that I mentioned that I found valuable (worth the cost).

How many know they can rack up $10,000 in credit card debt and only pay $100 a month with a zero APR card? Im not sure many know this especially those in their 20s and maybe early 30s.

So whose your lender.. love to get a 2 percent interest rate on my next house. Moving into one soon and its much higher then that.

1.75 to 2% below market, not 2%. Nobody is giving out 2% loans right now haha