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Old 03-19-2009, 11:06 PM   #1
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So me and a buddy was talking about our credit today and it got me thinking... Been a while since I checked in on mine.

So looking through it just now, I see I have a CC out with a balance of $12,678.00. Made my last 5 payments on time too. Not my first one either. Had another out for over $8k but I paid it off already.

Fudged up thing is I have never had a CC. WTF?

Looks like I'll be making some phone calls in the morning. Point: Don't forget to check your credit report every once in a while.
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Old 03-19-2009, 11:14 PM   #2
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Good advice! You can check for free all three majors, Experian, Equifax and Transunion. You will get different results on each one. I do one of the three every 4 months.
https://www.annualcreditreport.com/cra/index.jsp

Some of the other sites are really not free, you just get report when you sign up for monitor service.
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Old 03-19-2009, 11:17 PM   #3
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I pay for a monitoring service... I once had a mortgage for 200k on mine that was paid off when I was 8 years old!
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Old 03-19-2009, 11:28 PM   #4
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Does it count against you to do a cr online?
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Old 03-19-2009, 11:30 PM   #5
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Quote:
Originally Posted by johnpaint View Post
Does it count against you to do a cr online?
when you order your credit file its considered a "soft hit" and does not stay on the report for two years like a "hard hit" like when you apply ofr credit etc..
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Old 03-20-2009, 02:01 PM   #6
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I had a very strong feeling of why this was showing up, as I've delt with this in the past over utility bills and moron companies who can't see a difference in 2 peoples social security numbers.

Had a total of 3 CCs listed. 1 almost maxed out, 1 open but no balance, and 1 closed paid in full. They are in my mothers name from her business. Since my father is married to her, they're showing up under his name also. Since my name is the same as his, they got confused we me.

Isn't that the point in a social security number?
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Old 03-21-2009, 12:22 AM   #7
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Quote:
Originally Posted by JNLP
Since my father is married to her, they're showing up under his name also. Since my name is the same as his, they got confused we me.
Yeah, are you a Jr. too? When we were buying our first house they said I defaulted on college loans from 1970, the year I was born Thanks dad
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Old 03-21-2009, 06:38 AM   #8
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I check mine quarterly, havent run into any problems yet.

The wife and I have been paying off credit cards, we didnt have that many, but glad we did. We've been getting rate hike notices like crazy, and the thing is some of these are from banks that are getting bailed out....by me the taxpayer! We decided to keep one card each for emergencies and the good old American Express.

When I talked with the banks about the hikes they said that the trade fields had a high default rate thus the increase. WTF!?! Never been late, paid off at least 80% of the balances each month and we have high FICO scores. I think in the end the banks are just screwing themselves. People will either pay off their cards or default on them and customers wont want cards with high rates. Card revenue is a major portion of some banks income.

Think I'll buckle down and read Dave Ramseys book.
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