Credit Score and free money

- As you know, you can request your free creditscore once an year from each of the three credit bureaus at www.annualcreditreport.com. But, most of us need to know our score more than once a year for, let's say your mortgage, credit card application etc. For these reasons, I suggest you two great websites: creditkarma.com and creditsesme.com. Both provide your creditscores more than once a month, so you get to know your score whenever you want for free. They also provide free alerts like bill dues, charges, deposits etc. I certainly recommend them if you have not yet used. This way you are not in the dark regarding your credit history.

I consider anything above 750 to be a good score, however there are about 34% population with score 750 and above. Now that you know your creditscore, why not use it for your good? If you have not opted out yourself from www.optoutprescreen.com, you should be receiving credit card offers in your mail. But don't just apply for each and every card for one you will be damaging your credit score and secondly, they might not deserve you. Most of the credit cards offer signup bonus when you open a new account. So keep checking your mailbox for such offers.

Look no further if you want huge signup bonus

If you have been discarding such mails, I suggest to look into Chase Freedom offer of $150 cashback after you spend $500 in the first three months. You can sign up here. If you have a score of about ~720, there are good chances to get approved. The best part with the Freedom card is 5% cashback on categories that change each quarter, so in no time you will start earning on your favorite purchases.This card does not carry any annual fee

Or, if you rather prefer 1.5% cashback on all purchases, you have Chase Freedom Unlimited. This card too offers $150 cashback after you spend $500 in the first three months. You can sign up here

If you want to go big, you can apply for American Express Premier Rewards Gold card. It will earn you 25,000 Membership Rewards® points after you use your new card to make $2,000 in purchases within the first 3 months of Card Membership. You can apply here

Signing up for creditkarma.com and creditsesme.com accounts gets you personalized offers like 0% apr, if you are planning to make big purchases.

Your personalized credit offers

You can make similar bonuses through bank accounts as well. For example, Chase often sends out $100-$200 bonus offer in mail if you open their checking or savings account. 

Earn while shopping!FREE $25

- How often have you read/seen/heard people couponing to the penny ?! Well, not that I suggest you do the same due to the effort involved. However, there is an alternative, not to save but to earn, while shopping. 

When I first heard about 'earn while shop', like most people, didn't bother due to the assumption that the earnings would be pennies. True, the earnings would not be much most of the times. But the pennies add upto dollars in no time, trust me. Anyway, as the saying goes, a picture is worth a 1000 words, here is a picture of my earnings:

Ebates Cashback in 2 years

Here you go, $700 in about 2 years! So, how does it work? Simple.You need to shop through the below mentioned cashback websites. Just search and click your shopping site(ex: Amazon) in your favorite cashback website (eg: Ebates) and then make your purchase.

There are numerous cashback websites. Some give you direct cash. Some reward you with points, which then can be redeemed for gift cards, cash. Most are free, some are paid.

Here are the ones I use, which pay cash and free to join:

• Ebates: My favorite, most reliable and 'generous'. Free to join and they even reward you with $10 gift card or $5 cash when you use them. Customer service is great too. 

  

  Free $10 gift card when you join & use ebates

• TopCashBack: Free to join but not so good to track the cashback activity. I had to contact customer care to get the missing cashback. New users get $5 Amazon gift card bonus
• BeFrugal: Get $10 when you join and use the site. Free to join as well. 

So, you will get FREE $25 if you join the above mentioned websites and shop!

Another reason I use so many websites is that the cashback amount varies across them. So I look through all of them to see which one's offering the best cashback, especially when making a big purchase, and then shop through that site. 

Do leave a comment below if you got any question or like to share your experience.