“Credit Reports/FICO” Archive
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I decided to try out one of those silly ‘Frightmare’ type amusement park rides last night. The ride had all the typical ‘scary’ things like monsters, ghosts, etc. Like the majority of Halloween rides, they save the most terrifying things for last. The monsters and ghosts disappeared, everything went black and then the room lit up with charge cards, FICO scores, and collections signs flashing. Mortgage lenders in suits with warped faces filled the air with terrifying laughs. Everyone started screaming – including me. I asked the guy running the ride to please let me off and he shut the whole thing down so I could get unbuckled.
I was petrified.
Then I woke up with a gasp.
That’s what I get for reading ‘Smart Money’ magazine before bed.
Every four months I check my report from one of the three credit agencies. If I keep an organized rotation, I never have to pay for this service (free once per year from each agency). Sorry! I’m a bit late this time.
Not only does this prevent your credit from being misused, it also gives you a clear picture of where you stand financially.
If you’d like to join me, head to www.annualcreditreport.com or www.ftc.gov/freereports and choose:
Equifax
I’ll remind you again in four months! Happy Credit Score!
I’m always nagging everyone to protect their credit. Shred everything. Give no unnecessary information. Monitor your credit report. And on and on and on.
I thought I had it all covered.
My jaw dropped this morning while watching the news about credit fraud’s latest victims…
Your children.
Sure, I remember to check MY credit report but the report of my child? Not so much. And that is exactly why this type of fraud is becoming popular. It takes YEARS to discover since your 10 year old isn’t likely to buy a car or finance a home in the near future. Identity thieves have an 18 year window of free time.
Just like preventing credit fraud on yourself isn’t foolproof, preventing credit fraud on your children isn’t either but there are steps you can take to help reduce the chances of these losers preying on your children.
This article in Smart Money outlines ways you can check your child’s credit report for free.
I wouldn’t go signing up for credit monitoring on your children (unless you are loaded and have nothing better to do with your money) but keep an eye out!
Every four months I check my report from one of the three credit agencies. If I keep an organized rotation, I never have to pay for this service (free once per year from each agency).
Not only does this prevent your credit from being misused, it also gives you a clear picture of where you stand financially.
If you’d like to join me, head to www.annualcreditreport.com or www.ftc.gov/freereports and choose:
Trans Union – My least favorite. Trans Union is difficult to maneuver and they don’t easily sell you a onetime credit score for $8 like the other two.
I’ll remind you again in four months! Happy Credit Score!
My husband has a very common first name. Paired with his somewhat common last name, it’s fairly easy to confuse him with another person on paper. Over the last year, it has started to cause problems.
I’ve mentioned before, there is a person with my husband’s name who has awful credit and is in collections on multiple accounts. We live less than 15 miles from each other.
Lazy collections companies do searches based on first and last name and proximity to the last known address resulting in…
My husband getting A LOT of collection calls lately.
He has to call each one, straighten out the confusion, and pray they stop calling. Some do. Others don’t. But whenever one stops, another starts.
I thought we were the only ones who suffered from this annoying problem until I shared my annoyance with my dentist. She laughed and said she and her husband had the same problem – they even had to fight a lien against their home!
Based on the sheer annoyance and time spent fighting this never-ending battle, we’ve decided to name our child 457983. That way, our kid won’t have annoying collections calls that don’t belong. Sure, they may struggle through elementary school but they’ll thank me later.
Is it just us? Or do you have the same problem?
It’s time to check your free credit report at www.annualcreditreport.com.
Every four months, I check my credit report to make sure no one is messing it up but me. This time (in case you are copying me) – Experian. I went through my usual steps of checking what accounts are open, closed, and the current payment standing then clicked on the ‘Who is looking at your credit report’ tab.
This tab features two parts. The first is credit report checks to gain new credit initiated by you. The second, only viewable to you, is a listing of all the credit cards interested in your credit… so they can offer you more.
In part one, the gain new credit (bad) part, was the vet loan. Ugh – at least that is paid off! It was the only credit check visible to other agencies.
In part two, the part I like to call the ‘credit cards who want to date me’ part, I had a whopping 47 inquiries. Thank goodness none of those are visible to anyone but me and don’t count against my score. I’d look like a credit card floozy.
Check your credit. Make sure all is on the up and up…and…
Laugh at all the credit cards who miss you.
Every four months I check my report from one of the three credit agencies. If I keep an organized rotation, I never have to pay for this service (free once per year from each agency).
Not only does this prevent your credit from being misused, it also gives you a clear picture of where you stand financially.
If you’d like to join me, head to www.annualcreditreport.com or www.ftc.gov/freereports and choose:
Equifax
I’ll remind you again in four months! Happy Credit Score!
About This Site
My Debt
- Original Debt: $38,495.86
- Added Debt: $1,781.50
- Total Debt: $40,277.36
- Paid: $36,084.36
- Remaining: $4,193.00
- Broken Down
- Auto Loan 1: $0.00
- Credit Card: $0.00
- Student Loan: $4,193.00
- Auto Loan 2: $0.00
- Vet Loan: $0.00
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