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Joined: Jan 2004
Posts: 22,934 Likes: 4
BellaOnline Editor Highest Posting Power Known to Humanity
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OP
BellaOnline Editor Highest Posting Power Known to Humanity
Joined: Jan 2004
Posts: 22,934 Likes: 4 |
Every July I run my credit reports to ensure they are accurate and doing well. The US government site that manages this is AnnualCreditReport.comIt is the only government monitored one - the others you see commercials for are all for-profit entities that try to get you to sign up for items along the way. I highly recommend you all run your reports once a year to check for issues! Have you run your report yet this year?
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Joined: Dec 2004
Posts: 542
BellaOnline Editor Gecko
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BellaOnline Editor Gecko
Joined: Dec 2004
Posts: 542 |
One more helpful hint:
Since there are 3 agencies, you may request a Credit Report once a year from each of them. If you time it right, you can get one report every 4 months, thus keeping a close watch year round.
For example, you request Trans Union every July 1, Experian every Nov. 1, and Equifax every March 1.
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Joined: Jan 2004
Posts: 22,934 Likes: 4
BellaOnline Editor Highest Posting Power Known to Humanity
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OP
BellaOnline Editor Highest Posting Power Known to Humanity
Joined: Jan 2004
Posts: 22,934 Likes: 4 |
That's an awesome idea Carolyn! It lets you stay on top of things!
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Joined: Aug 2010
Posts: 753
BellaOnline Editor Gecko
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BellaOnline Editor Gecko
Joined: Aug 2010
Posts: 753 |
Carolyn, that is a really good idea.
The scores are nice, but I have a hard time remembering to cancel those memberships in time, then I just feel bad for wasting money.
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Joined: Aug 2010
Posts: 753
BellaOnline Editor Gecko
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BellaOnline Editor Gecko
Joined: Aug 2010
Posts: 753 |
WellsFargo has been advertising that you can get a free credit report from them if you bank with them here in Alaska. It's a big ad campaign that started when our pfd checks were sent out.
I think its an odd ploy. Don't most people know already you can get your report for free once a year without having to commit to a particular bank?
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Joined: Jan 2004
Posts: 22,934 Likes: 4
BellaOnline Editor Highest Posting Power Known to Humanity
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OP
BellaOnline Editor Highest Posting Power Known to Humanity
Joined: Jan 2004
Posts: 22,934 Likes: 4 |
Shoot I could have sworn I did this recently but looking in my directories I think the last time I did it was in 2010!! Yikes! And my nephew just realized, by looking at his credit report, that someone had bought a HOUSE AND A CAR in his name.
I'm running mine right now.
Do you run yours every year?
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Joined: Jan 2004
Posts: 22,934 Likes: 4
BellaOnline Editor Highest Posting Power Known to Humanity
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OP
BellaOnline Editor Highest Posting Power Known to Humanity
Joined: Jan 2004
Posts: 22,934 Likes: 4 |
OK I have now run all three credit reports - for free - and all look fine. That's good!
I also have clearly made an entry on my yearly calendar so I'm sure to do it next year at this time.
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Joined: Jul 2012
Posts: 2,025
BellaOnline Editor Koala
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BellaOnline Editor Koala
Joined: Jul 2012
Posts: 2,025 |
Lisa,
Thanks for the reminder. Like you, I usually keep up with this but I think it has been over a year. I need to get onto this.
This is important for everyone to do.
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Joined: Apr 2010
Posts: 556
BellaOnline Editor Gecko
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BellaOnline Editor Gecko
Joined: Apr 2010
Posts: 556 |
Thanks for the website! I didn't know about it.
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Joined: Jan 2004
Posts: 22,934 Likes: 4
BellaOnline Editor Highest Posting Power Known to Humanity
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OP
BellaOnline Editor Highest Posting Power Known to Humanity
Joined: Jan 2004
Posts: 22,934 Likes: 4 |
I'll note that this website is for US people.
I just looked up the Canadian website for someone, so there is the same service in Canada.
I would hope that every country offers something similar.
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