Managing Your Credit in Your 30’s + Why It’s Different Than Your 20’s

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This post may contain affiliate links

In partnership with TransUnion. The opinions and text are all mine

In many ways, I feel my life shifted dramatically when I turned 30. I have more self-confidence, I care less about what others think, and I’m making more concerted efforts to take better care of myself mentally, financially, and emotionally. Even though getting older can be a little scary, a lot of things get much easier, like budgeting and managing your credit.

Managing Credit in Your 20's

Financially speaking, I spent my 20s trying to build good credit: paying off student loan or credit card debt, making on-time payments, and trying to live within my means. But in your 30’s I’ve found it becomes more about maintaining good credit and making sure your big-picture financial goals like a house, a new car, minivan for baby, or loan to start a business can all coexist harmoniously.


Managing Credit in Your 30s

Another thing I’ve noticed now that I’m solidly in my 30’s is how time seems to shrink. Things take longer (or perhaps I’m getting slower than I used to be), and I no longer have the same amount of free time I used to. Even though I always had a full-time job, this blog, and my relationships, it seems to take up so much more energy than before, which is why when it comes to maintaining credit to find tricks and tools that work and save time.

After having my identity stolen in 2014, and my personal information compromised when my Dad’s laptop was stolen in 2016, I decided to invest in credit monitoring year-round. This saves me a huge chunk of time from not having to continuously monitor my own credit for weird activity. I also count the time it saves me in anxiety from not having to worry, or track down if I used a retailer that recently had their data compromised.

Now that I’m in my 30’s I don’t have time for that stuff, but I do have the money to make it easier. Money was definitely harder to come by in my 20’s, so I did it all on my own. See? Another perk of getting older.


For those interested in ways to improve and their credit, below are tools that do just that.


Best of all, these steps work whether you’re 25 or 35, they’re free, and each takes just under three minutes to sign up. Finally, thanks to TransUnion you’re all out of excuses.

  • TransUnion Credit Monitoring – A service that monitors your credit for fraudulent activity, It now comes with a new innovative feature, Lock Alert that automatically sends real-time alerts to subscribers whenever anyone attempts to access their locked or frozen credit report.
  • TrueIdentity, a FREE credit and identity theft protection product. With all the data breaches in the news recently, I’m glad to have this working year-round to protect my sensitive information.
  • TrueCredit, a free credit management product (where you don’t have to enter in a credit card number to see the info.) Even if you monitor your credit digitally each month, in my opinion, it’s nice to see a “hard copy” of your full score at least once each year.

TransUnion has now made it easier than ever (and FREE) to consumers to understand and manage their credit. Even if you don’t use one of their branded products, TransUnion is behind the scenes providing information to financial institutions, and partners like Credit Karma, Mint, Credit Sesame, and Lifelock. All of this great, free access (which did not exist six years ago when I was starting my credit journey in my 20s) comes because the industry is finally changing to allow consumers to be in full control of their information and their financial destiny.


This is a sponsored post written by me on behalf of TransUnion. The opinions and text are all mine.


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