Imagine your credit score is like a report card for how well you manage your money. When you check your credit score, it's like asking the teacher to show you your grade. Now, just asking the teacher won't affect your grade, right? Similarly, just checking your credit score won't hurt your credit. However, there is something called a "hard inquiry" that can temporarily lower your credit score. It's like when the teacher asks you to take a surprise test. This happens when you apply for a loan or a new credit card, and the lender checks your credit history. In such cases, the lender wants to know if you're a responsible borrower. So, remember, checking your credit score yourself won't hurt it. But applying for new credit can have a small impact. It's important to be mindful of how often you apply for credit to keep your credit score in good shape.

Buying points is another way to get extra value with your redemptions if you don't have that many points available, & a great way to still get amazing redemptions if you have the cash and don't want to use points. So this could be a good option for anybody as Virgin Atlantic is a very solid partner to transfer points into. Right Now They have a Double Bonus Going FYI - Virgin Atlantic Flying Club & Virgin Red are 2 Separate Reward Clubs under One Umbrella But You Can Link Your Accounts & Transfer Your Points Between Them Virgin Atlantic & Virgin Red Have an Offer to Get 50% AWARD Flights from US to UK Virgin Red is ALSO offering 70% Bonus When Buying Points If you plan on traveling to Europe or The UK This Summer Check This Out If you don't but maybe want to stash away some Virgin points for the future you can do that too. I use them a lot to book my Delta Domestic Flights for as low as 6.5K-9.5K Points. They also have a few other partner airlines that you can book under them, but they do typically charge a few hundred dollars in taxes & fees as well. - AirFrance/KLM - Delta - TapAir Portugal - Hawaiian Airlines - Turkish Airlines - Singapore Airlines - ANA - All Nippon Airways - You can check award availability with Singapore by checking United Saver Awards (although award availability won't show in award calendar on Virgin, can't book online, as you have to call in and ask for award availability and book over the phone) This is an odd one off partnership but you can get Business as low as 47.5K Points if you find a sweet spot As always make sure to find award availability before transferring unless you plan on using the points in the future The Good thing is, Virgin Flying Club Points Never Expire, There is no expiration date like some programs!

Which consumer law can help you delete anything from your credit report? Cuál? ley del consumidor puede eliminar cualquier cosa de tu informe de crédito?