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Topic: Credit reports ... (Read 515 times) |
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ClusterChuck
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Credit reports ...
« on: Mar 5th, 2007, 7:15pm » |
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Reading Jonny's thread about giving out his wife's ss number got me to thinking.
How many regularly check their credit report?
How often??
With whom??
Just curious. I have been thinking of signing up with someone, so I can regularly find out what mine is like.
I already did the free one, a while back, so I can't go that route again. The link for the free one is
www.freecreditreport.com
Chuck
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artonio7
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Re: Credit reports ...
« Reply #1 on: Mar 5th, 2007, 7:17pm » |
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Yep Chuck... I went the free credit report route... if anyone else decides to go that route... remember that you must cancel by using the phone number provided within three days, or you will be billed.
with warm regards,
Tony
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Redd
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Re: Credit reports ...
« Reply #2 on: Mar 5th, 2007, 7:22pm » |
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I check yearly as well.
Were it not for the one I pulled almost 3 years ago, I wouldn't have found the credit card bill for over 8K that I never opened. It and a few other minor errors took about 2 years to clear up, but I did it.
Oh....BTW...law states you can pull a free one yearly from all three major reporting agencies....also, if you are denied credit, then you take that rejection letter and you can get another free report from all three.
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| « Last Edit: Mar 5th, 2007, 7:24pm by Redd » |
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Karla
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Re: Credit reports ...
« Reply #3 on: Mar 5th, 2007, 7:30pm » |
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I am a member of Prepaid legal services. One of the many things they do is go out monthly and check Ted's and mine credit reports and tell us if there is any activity. They also do wills and living wills etc.
I get asked ssn for loan applications, getting son into school registered every year he has to show his ssn.
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| « Last Edit: Mar 5th, 2007, 7:32pm by Karla » |
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Karla
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HappyElaine
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Re: Credit reports ...
« Reply #4 on: Mar 5th, 2007, 7:31pm » |
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Chuck we use experian! Its good too. They send you a email when ever your credit is touched.
Here is a story for you. Buddy went and borrowed some money one year to go to the race on, not telling me. Well he got the loan, and I got the notice through email from experian.
I call him up at work and tell him someone has hit our crdit and borrowed a good amount of money. I tell him to get to their office and tell them its not us. Well about a hour later he calls me and tells me, he borrowed the money. I won't tell ya what I said after that...You get the picture. Its funny now but it wasn't then. Its good for a lot more reasons than just adinty theft.
It is worth the money to join.
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PollyPocket
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Re: Credit reports ...
« Reply #5 on: Mar 5th, 2007, 7:35pm » |
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Redd's right, you do not have to sign up for a credit report service. You can check your own credit for free each year from Equifax, Experian, and TransUnion and it doesn't show as an inquiry.
annualcreditreport.com
plus, for $5 you can get your credit score.
check it every year, its your right
Jen
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Jonny
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Re: Credit reports ...
« Reply #7 on: Mar 5th, 2007, 7:43pm » |
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Rockin info, Wrrok!!!
Thanks!
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Lobster
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Re: Credit reports ...
« Reply #8 on: Mar 5th, 2007, 7:46pm » |
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on Mar 5th, 2007, 7:43pm, Jonny wrote:Rockin info, Wrrok!!!
Thanks! |
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Actually, my fiancee Jen pointed it out first.
Did I mention that she hates clothing stores?
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| « Last Edit: Mar 5th, 2007, 7:47pm by Lobster » |
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Redd
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Re: Credit reports ...
« Reply #9 on: Mar 5th, 2007, 7:51pm » |
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on Mar 5th, 2007, 7:46pm, Lobster wrote:
Actually, my fiancee Jen pointed it out first.
Did I mention that she hates clothing stores?
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Shhh we won't tell your current wife, or Jen's husband will we guys?
We know how to keep things hush hush....
Awwwww who am I trying to kid...we love gossip and roumor around here....the juicier the better.
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I saw an act of faith today. A man was on his knees, not in a pew in a Church, but in a garden planting seeds. ~~Unknown
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Jonny
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Re: Credit reports ...
« Reply #10 on: Mar 5th, 2007, 7:56pm » |
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on Mar 5th, 2007, 7:51pm, Redd wrote:| Awwwww who am I trying to kid...we love gossip and roumor around here....the juicier the better. |
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Yeah, like that rumor that I am married.....LOL 
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| « Last Edit: Mar 5th, 2007, 7:57pm by Jonny » |
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It is up to YOU to educate yourself and then help your doctor plan your treatment. If you just sit down in front of your doctor and say "make me better" you are setting yourself up for a great deal of pain.
- Guiseppi
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Redd
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Re: Credit reports ...
« Reply #11 on: Mar 5th, 2007, 7:59pm » |
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on Mar 5th, 2007, 7:56pm, Jonny wrote:
Yeah, like that rumor that I am married.....LOL
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You outed yourself on that one Bro! Sometimes truth is stranger than fiction.
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I saw an act of faith today. A man was on his knees, not in a pew in a Church, but in a garden planting seeds. ~~Unknown
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Jonny
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Re: Credit reports ...
« Reply #12 on: Mar 5th, 2007, 8:14pm » |
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on Mar 5th, 2007, 7:59pm, Redd wrote:
You outed yourself on that one Bro! Sometimes truth is stranger than fiction. |
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What gets me is every six months someone says "Didnt even know you where married"
Do I come off gay or something?......LMAO
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| « Last Edit: Mar 5th, 2007, 8:15pm by Jonny » |
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It is up to YOU to educate yourself and then help your doctor plan your treatment. If you just sit down in front of your doctor and say "make me better" you are setting yourself up for a great deal of pain.
- Guiseppi
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PollyPocket
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Re: Credit reports ...
« Reply #13 on: Mar 5th, 2007, 8:24pm » |
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on Mar 5th, 2007, 7:46pm, Lobster wrote:
Actually, my fiancee Jen pointed it out first.
Did I mention that she hates clothing stores?
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LOL
but I do love tool stores! ohgawdyeah!
there's just somethin about power tools..ooohbaby.
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“Life is all about timing... the unreachable becomes reachable, the unavailable become available, the unattainable... attainable. Have the patience, wait it out It's all about timing.” - Stacey Charter
"If I don't remember it happening, it never happened. " - Tori
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Redd
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Re: Credit reports ...
« Reply #14 on: Mar 5th, 2007, 8:39pm » |
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on Mar 5th, 2007, 8:14pm, Jonny wrote:
What gets me is every six months someone says "Didnt even know you where married"
Do I come off gay or something?......LMAO
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No baby...your flirting overt or covert, with the ladies just confuses and blurrs the lines of understanding is all....
and maybe your trips to AZ? 
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I saw an act of faith today. A man was on his knees, not in a pew in a Church, but in a garden planting seeds. ~~Unknown
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Mosaicwench
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Re: Credit reports ...
« Reply #15 on: Mar 5th, 2007, 8:40pm » |
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on Mar 5th, 2007, 8:24pm, JenniferD wrote:
but I do love tool stores! ohgawdyeah!
there's just somethin about power tools..ooohbaby.
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A woman after my own heart! My favorite tool is my Milwaukee Electric tool Sawzall. (Not to mention we live near the world headquarters for that lovely company). Why should guys have all the fun?
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Linda_Howell
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Re: Credit reports ...
« Reply #16 on: Mar 5th, 2007, 8:40pm » |
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Rock, is it really safe to give them your SS#
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Mosaicwench
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Re: Credit reports ...
« Reply #17 on: Mar 5th, 2007, 8:42pm » |
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on Mar 5th, 2007, 8:14pm, Jonny wrote:
What gets me is every six months someone says "Didnt even know you where married"
Do I come off gay or something?......LMAO
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No Jonny not gay . . . . just unmarried.
Most married guys here mention their wives more often than once year!
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The difficulties of life are intended to make us better, not bitter. ~Author Unknown
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Lobster
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Re: Credit reports ...
« Reply #18 on: Mar 5th, 2007, 8:44pm » |
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on Mar 5th, 2007, 8:40pm, Linda_Howell wrote:| Rock, is it really safe to give them your SS# |
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Do you speak of annualcreditreport.com? Yep. No worries.
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Rock beats Scissors.
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Lobster
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Re: Credit reports ...
« Reply #19 on: Mar 5th, 2007, 8:58pm » |
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on Mar 5th, 2007, 8:24pm, JenniferD wrote:| but I do love tool stores! ohgawdyeah! |
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on Mar 5th, 2007, 8:40pm, Mosaicwench wrote:| My favorite tool is my Milwaukee Electric tool Sawzall. |
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Bathe them and bring them to me.
/confidently pats his router table
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Linda_Howell
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Re: Credit reports ...
« Reply #20 on: Mar 5th, 2007, 9:00pm » |
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Thanks Rock.
Just signed up and got it back and I was amazed. I have a great cc score except for one late payment back in 1994. Amazing!!!!!!!!
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Kindness, is gladdening the hearts of those who are traveling the dark journey with us.
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Jonny
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Re: Credit reports ...
« Reply #21 on: Mar 5th, 2007, 9:13pm » |
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on Mar 5th, 2007, 8:42pm, Mosaicwench wrote:| Most married guys here mention their wives more often than once year! |
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That would probably tell you how happy I am
CH and married.......how did I get so lucky..................LOL
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It is up to YOU to educate yourself and then help your doctor plan your treatment. If you just sit down in front of your doctor and say "make me better" you are setting yourself up for a great deal of pain.
- Guiseppi
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Charlie
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Re: Credit reports ...
« Reply #22 on: Mar 5th, 2007, 9:31pm » |
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I've never gotten one. Probably will someday.
Must be okay. I get offers for everthing under the sun every day because they tell me how great it is. 
Charlie
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fubar
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Re: Credit reports ...
« Reply #23 on: Mar 5th, 2007, 10:29pm » |
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on Mar 5th, 2007, 9:31pm, Charlie wrote:I've never gotten one. Probably will someday.
Must be okay. I get offers for everthing under the sun every day because they tell me how great it is.
Charlie |
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It could be a good sign (getting the offers) or a bad sign. Their not exactly picky about extending credit.
My wife works at one of the big three. Out of all the possible places to give your SSN online, they would be about the safest (any of the three). Don't fall for the fake sites that try to get you to sign up for paid services.
-Fu
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MJ
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Re: Credit reports ...
« Reply #24 on: Mar 5th, 2007, 11:55pm » |
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on Mar 5th, 2007, 7:15pm, ClusterChuck wrote:
I have been thinking of signing up with someone, so I can regularly find out what mine is like
Chuck |
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Chuck I have my credit reports monitored on a daily basis with all the major agencies for a small monthly fee.
Not so much as to know my credit ratings but to know who is accessing my reports. Any inquiry by anyone is sent to me immediately.
Its pretty amazing who actually looks at this stuff. Customers, Competitors, companies, employers, insurers even individuals willing to pay the fees for access.
In just the past 2 weeks my reports were accessed 4 separate times by various entities at 2 different agencies all legit. I recieved separate notification for each the following day. None of them had I had contact with regarding credit matters.
This is not something you are made aware of in the free reports.
Its also a good defense against Identity theft as I know who, what, when and where.
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