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To Her Credit answers a question about a debt or credit issue from a CreditCards.com reader each week.

Ask a question. Dear To Her Credit, Why is my credit score different from one time to the next?

I signed up for one of those services that lets you check your score anytime, and I've noticed that free credit number Denver my score often changes for no apparent reason. It worries me, even though I know nothing major has changed between then and now. -- Emily Dear Emily, There are three things you should not check every day: Your weight, your stock prices, free credit number Denver and your credit score, says Cathy Pareto, an MBA and president of Cathy Pareto and Associates, an investment and financial planning firm. Checking any one of these things too often is not only discouraging, but it can make you lose sight of the big picture. free credit scores You can do everything right and not see the results you want the next morning. I doubt anything significant has changed in your credit history. If it had, you'd see more than an eight-point drop in your score. Maybe you had a slightly higher balance on an account when one of your creditors filed a report this time. Don't worry, 762 is still an excellent credit score. People have a thing about being graded, says Kim free credit number Denver McGrigg, communication specialist for Money Management International. Now that we can check our credit scores as often as we want, it's easy to worry too much. credit reports online McGrigg tells about a man who recently asked her why, despite the most strenuous efforts, he couldn't get his score above 812! (The average credit score is closer to 700.) In the old days, credit reporting was an opaque process. Consumers usually didn't know what was on their reports until they applied for a loan. They could be sitting at the car dealership, expecting to drive their new car home, only to be turned down for a loan. Your keys free credit number Denver to getting into the 700-plus credit score club Having a solid credit history with a credit score over 700 will open doors to money-saving opportunities -- from low-interest mortgages and free credit number Denver loans to lower APR credit cards, better insurance rates and even jobs. Here are a slew of tips that can help get you and keep you in the 700-plus credit score club. www.free-annual-credit-report.com Having a solid credit history with a credit score over 700 will open doors to money-saving free credit number Denver opportunities -- from low-interest free credit number Denver mortgages and loans to lower APR credit cards, better insurance rates and even jobs.