So if you are playing along, it's time to run our Experian credit reports.
Go to AnnualCreditReport.com (the only truly free site to use and sanctioned by the government) and select your state. Fill out the info your are asked and tell it you want only the Experian report (if you're doing the every 4 month plan with me). Then....off you go!
I had 0 potentially negative items in my report
I had 20 accounts in good standing in my report.
When I read that 20 account bit, I was like, "Wha...?" But as I look through them, 16 of them are old accounts that are already closed and have to appear on here until a set date (ranging between 2012 and 2020). So that's 4 open accounts.
What are those 4 open accounts?
- American Express - Chip's credit card that I'm a joint account holder on.
- Chase - my "big" credit card that I hate and am attacking now. It will be the next to go for balance and emotional reasons.
- GMAC Mortgage - Our current mortgage.
- USAA - Our bank and my preferred credit card. This will be the only one we keep when all are paid off.
How did you fare?
Photo credit: LotusHead