Big-picture financial planning means thinking about your credit score (“future you” will thank “present-day you”), because it could impact rental and loan applications, getting a job, and more. “Chase’s Credit Journey® allows you to check your credit score, as often as you want, for free. You don’t even have to be a customer of the bank to use it,” says Claudio, who highly recommends regularly taking advantage of credit monitoring tools. “And its new feature, Score Planner*, helps you find ways to increase your score. Customers who successfully achieve their plan goal, improve their score by an average of 30 points or more. Just set a timeframe, pick an action plan, and set your goal.”