A month ago I sold my house and paid off the mortgage. I used the profit to pay off about $14000 of $17000 in credit card debt that I had been accumulating for the last 10 years. I have about $2500 left to pay off.
I vow never to get into credit card debt again and I am trying to be more responsible for my finances. The last time I pulled my credit report was well over a year ago. Is this a good time to get it and my FICO scores and see where I am? I have never defaulted on any payments but I have been late on some credit card payments (by late I don't mean more than a month).
I still have my car loan and some hefty student loans, but I am budgeting more carefully and I won't have any more late payments in the future. Should I pull the report and scores now and then again in the fall and see how things have improved?
If so, where can I get them for free?