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Important: Annual Credit Check

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Old 12-27-2006, 06:29 AM
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Default Important: Annual Credit Check

It is important with identity theft (dirt-bag-jag-offs) up and rising to ck your credit and spouse once per year. This is free from the goverment (1 per year) and won't hurt your credit score in regards to inquiries. Have fun and best wishes

https://www.annualcreditreport.com/cra/index.jsp
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Old 12-27-2006, 08:11 AM
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Default Re: Important: Annual Credit Check

I believe I heard they are allowing two checks per year now, thanks for the link
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Old 12-27-2006, 11:44 AM
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Default Re: Important: Annual Credit Check

I'm sure they already took that Perv DT42's credit away at the local gin mill! He works 4 the hooch people leave in their bottles and glasses!!
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Old 12-27-2006, 12:04 PM
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Default Re: Important: Annual Credit Check

You can also set up fraud protection through discover card. I lost my wallet Saturday and had to do this.
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Old 12-27-2006, 12:55 PM
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Default Re: Important: Annual Credit Check

I subscribe to a service through Trans_Union that monitors my credit in all three bureaus and notifies me when there is any change in my status.

Well worth the $40 they charge annually.
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Old 12-27-2006, 05:29 PM
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Default Re: Important: Annual Credit Check

Amex has a good one too, lets you pull once a day and will email to update you of changes...pulling multiple times actually can do whats called bumping and knock hard inquiries off equifax and transunion, if you pull every day for a couple months suddenly inquiries start to vanish...pretty cool trick i found out on the internet.

I think I pay like $10 a month but its well worth it to be able to get a complete picture at any time.
 
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