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Written By: Gary on August 17, 2006 No Comment

Creditreport2006BRW was talking about interest and credit recently and it reminded me it’s been a while since I checked my credit report. I’m generally pretty happy with my report, nothing I had to change (usually there’s a canceled that hadn’t been listed as canceled). Saving (and not wasting) money is a skill taught to me by my mother (mostly because we didn’t have lots) but it’s a skill I’ve managed to keep.

You can get a FREE credit report 3 times a year (once from each of the three companies). I’ve mentioned this before so I’m not going to spend too much time on the details.


On a side note (but related to credit), I’ve been helping my buddy with his budget since the beginning of the year. It’s been a struggle (mostly to keep from strangling him) but things are mostly under control. And as a result – six months ago we couldn’t get him a secured vehicle loan at a high interest rate (due to bad credit) and we just got him an unsecured loan (for more money than the previous request) at a pretty good rate!!!! Very cool! We used that loan to pay off other higher rate “stuff” and a few other bills.

Written By: Gary on September 1, 2005 One Comment

CreditmapThree times a year (by law) you can get a Free Credit Report ; that’s once each from each of the credit report companies (Equifax, Transunion and Experian). They’ve been rolling this out by different parts of the country, today marks the day when now the whole country hass free access.

I posted a virtually identical post earlier this year, but since they opened up the rest of the US and I think it’s pretty important that you check and it’s free, I felt it was worth mentioning again.


I think I like the Equifax one the best, it seemed the most complete and understandable (IMHO). The first time I ever did one I had over a dozen open credit cards that should have been closed. The FTC has more info on-line.

There is two ways to do this, get all three at once if you really want to clear things up, or get one every four months to keep an eye on it. Be sure to print it out when you get it, it’s really hard to see the 10+ page report on the display.

They will ask you personal information to determine if you are really you, this includes: SS number, mortgage and loan companies, monthly payments, past addresses, etc. But they do much of it as multiple choice questions (and some answers are ‘none of the above’). A charge card number is NOT required to get the free report.

There is no catch but they will try to sell you your score (or other services). But if you’ve got wrong info on your report who cares what your score is? Clear up the problems, close the cards you don’t use and get the score the next time around. If you close a few of your cards you can write to all of the companies (Equifax, Transunion and Experian) to close them (and ask that they send you a corrected report they might just send you one for free). Then see how clear the other ones looks the next time around. Do NOT close your oldest cards even if you don’t use them, it’s good to have a long credit history.

I’ve done mine a few times over the past few years and I’ve noticed they’re about 80% the same (they generally don’t list my jobs or previous addresses very completely). If you see you’ve got things wrong you can dispute on-line. Don’t wait to do this, some times it takes ages for things to appear (or disappear), so if you ever need your report to look nice you can’t wait until the last minute…

Written By: Gary on March 1, 2005 No Comment

CreditmapSo now every year (by law) you can get a Free Credit Report from each of the credit report companies (Equifax, Transunion and Experian). They’ve been rolling this out by zones; zone 1 got it earlier this year, 2 (the Midwest) got it today, 3 in June, 4 in September. I did mine today, I did the Transunion one (I had never done that one before). I think I liked the Equifax one the best, it seemed the most complete and understandable (IMHO). The first time I ever did one I had over a dozen open credit cards that should have been closed. The FTC has more info on-line.


There is two ways to do this, get all three at once if you really want to clear things up, or get one every four months to keep an eye on it. Be sure to print it out when you get it, it’s really hard to see the 10+ page report on the display.

They will ask you personal information to determine if you are really you, this includes: SS number, mortgage and loan companies, monthly payments, past addresses, etc. But they do much of it as multiple choice questions (and some answers are ‘none of the above’).

There is no catch but they will try to sell you your score (or other services). If you’ve got wrong info on your report who cares what your score is? Clear up the problems, close the cards you don’t use and get the score the next time around. If you close a few of your cards you can write to all of the companies (Equifax, Transunion and Experian) to close them (and ask that they send you a corrected report they might just send you one for free). Then see how clear the other ones looks the next time around.

I’ve done mine a few times over the past few years and I’ve noticed they’re about 80% the same (they generally don’t list my jobs or previous addresses very completely). If you see you’ve got things wrong you can dispute on-line. Don’t wait to get this, some times it takes ages for things to appear (or disappear), if you ever need your report to look nice you can’t wait until that time.

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