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Title: Credit reports ... Post by ClusterChuck on Mar 5th, 2007, 7:15pm 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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Title: Re: Credit reports ... Post by artonio7 on Mar 5th, 2007, 7:17pm 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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Title: Re: Credit reports ... Post by Redd on Mar 5th, 2007, 7:22pm 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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Title: Re: Credit reports ... Post by Karla on Mar 5th, 2007, 7:30pm 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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Title: Re: Credit reports ... Post by LadyElaine1 on Mar 5th, 2007, 7:31pm 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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Title: Re: Credit reports ... Post by JenniferD on Mar 5th, 2007, 7:35pm 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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Title: Re: Credit reports ... Post by Lobster on Mar 5th, 2007, 7:36pm I get it once a year. Note... you do not want to use www.freecreditreport.com http://redtape.msnbc.com/2006/09/dont_fall_for_f.html You want to use www.annualcreditreport.com |
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Title: Re: Credit reports ... Post by Jonny on Mar 5th, 2007, 7:43pm Rockin info, Wrrok!!! Thanks! |
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Title: Re: Credit reports ... Post by Lobster on Mar 5th, 2007, 7:46pm on 03/05/07 at 19:43:29, Jonny wrote:
Actually, my fiancee Jen pointed it out first. Did I mention that she hates clothing stores? |
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Title: Re: Credit reports ... Post by Redd on Mar 5th, 2007, 7:51pm on 03/05/07 at 19:46:55, Lobster wrote:
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. [smiley=laugh.gif] [smiley=laugh.gif] |
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Title: Re: Credit reports ... Post by Jonny on Mar 5th, 2007, 7:56pm on 03/05/07 at 19:51:58, Redd wrote:
Yeah, like that rumor that I am married.....LOL ;;D |
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Title: Re: Credit reports ... Post by Redd on Mar 5th, 2007, 7:59pm on 03/05/07 at 19:56:52, Jonny wrote:
You outed yourself on that one Bro! Sometimes truth is stranger than fiction. |
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Title: Re: Credit reports ... Post by Jonny on Mar 5th, 2007, 8:14pm on 03/05/07 at 19:59:57, Redd wrote:
What gets me is every six months someone says "Didnt even know you where married" Do I come off gay or something?......LMAO ;;D |
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Title: Re: Credit reports ... Post by JenniferD on Mar 5th, 2007, 8:24pm on 03/05/07 at 19:46:55, Lobster wrote:
LOL but I do love tool stores! ohgawdyeah! there's just somethin about power tools..ooohbaby. ;) ;) |
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Title: Re: Credit reports ... Post by Redd on Mar 5th, 2007, 8:39pm on 03/05/07 at 20:14:56, Jonny wrote:
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? :P |
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Title: Re: Credit reports ... Post by Mosaicwench on Mar 5th, 2007, 8:40pm on 03/05/07 at 20:24:52, JenniferD wrote:
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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Title: Re: Credit reports ... Post by Linda_Howell on Mar 5th, 2007, 8:40pm Rock, is it really safe to give them your SS# Quote:
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Title: Re: Credit reports ... Post by Mosaicwench on Mar 5th, 2007, 8:42pm on 03/05/07 at 20:14:56, Jonny wrote:
No Jonny not gay . . . . just unmarried. Most married guys here mention their wives more often than once year! |
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Title: Re: Credit reports ... Post by Lobster on Mar 5th, 2007, 8:44pm on 03/05/07 at 20:40:46, Linda_Howell wrote:
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Title: Re: Credit reports ... Post by Lobster on Mar 5th, 2007, 8:58pm on 03/05/07 at 20:24:52, JenniferD wrote:
on 03/05/07 at 20:40:41, Mosaicwench wrote:
Bathe them and bring them to me. /confidently pats his router table |
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Title: Re: Credit reports ... Post by Linda_Howell on Mar 5th, 2007, 9:00pm 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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Title: Re: Credit reports ... Post by Jonny on Mar 5th, 2007, 9:13pm on 03/05/07 at 20:42:07, Mosaicwench wrote:
That would probably tell you how happy I am ;) CH and married.......how did I get so lucky..................LOL ;;D |
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Title: Re: Credit reports ... Post by Charlie on Mar 5th, 2007, 9:31pm 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. http://www.netsync.net/users/charlies/gifs/die laughing.gif Charlie |
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Title: Re: Credit reports ... Post by fubar on Mar 5th, 2007, 10:29pm on 03/05/07 at 21:31:44, Charlie wrote:
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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Title: Re: Credit reports ... Post by MJ on Mar 5th, 2007, 11:55pm on 03/05/07 at 19:15:01, ClusterChuck wrote:
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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Title: Re: Credit reports ... Post by Charlie on Mar 6th, 2007, 1:54am Thanks guys. I'll keep your stuff in mind. I never do banking of any kind on line. I hate it and there have been some crappy "fees" or something that I read about......maybe here, come to think of it. I use one of my credit cards when I buy socks but that's about all the on line business that I do. Charlie |
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Title: Re: Credit reports ... Post by BobG on Mar 6th, 2007, 6:16am Want a free credit report? Go buy a new car. The dealer will get it for you. And, if you spend enough money they might even show the report to you. |
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