What is your best tool for credit monitoring?
I've been poking around creditkarma.com and they seem helpful if you aren't experienced at wooing your credit score. But I'm wondering - what is the best credit/score monitoring tool? Is it paying for a subscription to a monitoring site? Pulling your report once a year?
I'm finally back in good standing after losing everything at 22. I've got my score back into a solid "good" rating - but I want it in the "holy smokes that's awesome" group. What do you do?
I use and pay off my cards (3), the utilities are in my name and paid on time - that's about all I'm doing.