DFI Wealth Management
Since 1983
Daniel F. Iuculano, CFP® AAMS
How To Use Credit Wisely


Daniel F. Iuculano

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Certified Financial Planner

Accredited Asset Management Specialist SM

Chartered Mutual Fund Counselor SM

Contact: Dan Iuculano

Phone: (904) 302-8911

Email: danieli@dfi-wealth-mgmt.com

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How to use credit wisely - a common sense guide to credit management and monitoring.


Welcome...Your guide to managing credit

How to destroy your credit - things not to do.

There are three major credit bureaus - Equifax, Experian, and TransUnion  and they don't share information. All three offer credit monitoring services for a fee and can be quite costly. Avoid these three agencies, instead go to Annual Credit Report and request your free credit report from any of the three reporting agencies. It is advisable to request a new report every fourth month from one of the agencies alternating the credit bureaus each fourth month. Unfortunately the free credit reports do not include your FICO score which is used by most lenders when determining whether to grant you credit or not.

It is recommended that you request your FICO score at least once a year and just before you make any major purchases like a mortgage or car loan. To request a copy of your score myFICO  offers a variety of services.