Friday, June 17, 2005

Check your credit report!

As you probably know by now, you can get a free copy of your credit report (one from EACH of the major reporting agencies) through https://www.annualcreditreport.com/. (You East Coasters will have to wait until September, though.) Anyway, if you haven't already done so, I highly suggest that you order and review your credit report. Due to my Dire Financial History, I truly dreaded seeing in black and white what a mess I managed to make of my fiscal life--but you know what? There was an address on my report--a PO Box in Cali--with which I have never been associated. Apparently, in 2002, someone may have made an attempt to Identity Theft me. (I pity the poor bastard who tried to obtain a credit card in MY name, though.) Although all of the open accounts were, in fact, mine (unfortunately), it's still good to be aware of the activity on your credit report--especially as we're all at the age (if not the actual STAGE) of mortgages, car loans, etc.

And now, if you'll excuse me, I need a stiff drink.

25 comments:

SparkyDiva said...

pour one for me, too
~b

Nik said...

I was the same way when I got my report too! It was horrible. Was it wrong of me to take pride in the fact that some of my unpaid debts will be dropping off of my report by the end of this year? LOL

Jen said...

Whoo hoo Nik!!

Some of mine are on there until 2050 or some shit like that.

Fred said...

You're not still drinking, are you?

Jen said...

Nah. I drank like half a wine cooler and decided I didnt' feel like drinking.

I'm WILD, I tell ya.

(However, I plan to be fully schnockered at the blog party next weekend.)

Anonymous said...

LOL. Schnockered, eh?
Since we move and buy a house every year and a half or so, we're pretty up-to-date with what's on ours, but it still wouldn't hurt to check!
Renee

Nik said...

You said stiff!

hehehehehe

Carolicious said...

Oh, I hear you sister. The day you view your credit reports is indeed a grim, grim day, which usually calls for shots of tequila. Nothing good can ever come of drinking tequila, but then again (for me anyway), nothing good can ever come of viewing credit reports. I will have a drink FOR you.

Jen said...

Is everyone else's report 25 pages long?

Renee said...

I'm feeling like an outcast; mine is spotless.

Jen said...

Nerd.

Renee said...

LOL. Thanks, dumbass. At least I can afford Velveeta Shells & Cheese. If you're nice to me maybe I'll send a box home with ya this weekend ;-)

Renee said...

"nice to me" means "put out", btw.

Jen said...

Well yeah, that goes without saying.

And who needs Velveeta Shells and Cheese when you can have Shop Rite Cheesy Pasta Shells?

Renee said...

You do! You commented on the karma's a bitch post about not being able to afford brand name mac & cheese. I know you want it, baby!

jevanking™ said...

I got my credit report a few months ago. Yuck. Thank you for visiting and for linking--I'm very happy to find your blog and am trying to catch up by reading your archives so I can know all the characters in your blog. Thanks again!

LocuTus of Borg said...

It's amazing what comments come from a credit report haha. Credit reports are just a fictious re-creation of the financial world to put a number on your forehead. haha joking! Mine is long and I see shit on there from 6 years ago that I have no idea where it came from.

A drink sounds good ... tequila ummmm!

Anna said...

I've always wanted to see my credit report but I've never actually gotten it. Last time I tried they asked me these stupid questions I didn't know the answers to so they wouldn't give it to me. I guess I'll try again. Thanks for the link.

Anna said...

OK, I got one from Equifax but I don't know how to read it or get my score. Help?

Jen said...

You still have to pay to get your score. Basically, you just look at it and make sure everything that's on there is accurate. it tells you about different accounts, date opened, if you're current, late payment info, etc.

Renee said...

Or Anna, the confusion may simply be because there's nothing on there, like mine.

Jen said...

*Eye roll*

;)

Renee said...

LOL! i wasn't trying to be all self-righteous, I was just SAYING that I was confused when I first started looking at mine, too, cuz there just wasn't anything ON it. It took me a few minutes to figure out that that was a good thing :-)

Anna said...

I didn't want to bring the wrath of all on me but now in defence of Renee I think she might be right, maybe I can't figure it out cause there's nothing to see. It seems strange but who knows?

Renee said...

Yeah, so there! ;-)