Thursday, September 16, 2010
Credit Report Check
Yesterday I ran my credit report. It had been a solid year since I had run my allowed one annual credit report by each credit reporting agency at AnnualCreditReport.com (this is the only truly free report - don't be fooled by other companies). The last time I ran it, I found one wrong social security number and eight wrong names listed on my report. I "reported" them all to be corrected. These in no way affected my report, but I did want all of the info to be right.
This year I decided to split up the three agencies and run one this month, another in January, and then the third in May so I can keep an eye on my credit report throughout the year and still get it free each time. I have put reminders on my work email calendar so they will pop up and remind me. =)
This time I chose Experian.
What did I find? All of the previous year's incorrect items have been corrected. Hooray!
I found that all of my accounts are still in good standing and nothing looks suspicious.
I found that I understand the report a lot more now than I did one year ago when I was almost clueless about our own household financial status.
I found two open accounts that I didn't want to be open. An old Sears card and an old Victoria's Secret card. I called and closed them both. No big deal really, as I had no idea they were still open.
I did find out though that there is one company that is running our report once a month for the last three months. It's a credit card company. I have called and asked them to stop, as we are not interested in carrying their card.
So that's it.
Just how I want my report to look.
Have you run yours in the last year? If so, did you find anything unexpected? If not, it's time!
Photo credit: lusi