I can click and see my current credit rating, but the three rating agencies are something of a crapshow when it comes to getting your annual report.
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LOL, I got a collection notice for a medical loan for some dental work she had done long after we were divorced. I guess she thought I was going to support her forever. lol In my mother's last year I took her info and signed her up for a Credit Karma account. Not entirely accurate but they do show cc balances, new credit etc. Turns out my daughter who was living with her was beating up one of her credit cards $20-45 two or 3 times a week through insta-cart. My grandaughter had ordered some clothes through Amazon. Sometimes it's those that are closest. Keep me signed in, and saved cc info can be dangerous.On a similiar subject, I want to tell you guys to pay close attention to what ypur elderly parents are up to online.
A couple of months ago my Mom fell for a "smishing scam"
She was expecting some package from Amazon and recieved an Email with a very blurred picture of a box and claiming that she needed to send the US Post Office 3 dollars or it would not be delivered.
She sent her credit card number to some scammer on Bumble.com and signed herself up for a 250 dollar a month revolving charge.
The only reason that I caught this is because my Mom lives with us now.
When I took her breakfast that morning I could tell that she had been awake all night.
She was worried about that payment making it to the US Post Office.
Ding,Ding,Ding!!!! What??
Mom, why are you sending money to the post office?
2 hours of on hold and getting dropped and calling back in order to cancell that credit card and dispute the charges.
Which leaves me in a where I know that a new credit card is maybe going to show up at some point.
In a city where they steal mail trucks and mail boxes.
The other thing I think is really important is that nobody, nobody ever checks their credit report every year.
You really need check all three of your credit reports every year and correct the mistakes.
Do this before you try buy a house or a car or apply for any type of a loan.
In my case I used to live in the northern part of Scottsdale, Az on a road with a very long and somewhat hard to spell name.
Some of you Arizona guys might have the same story.
They really love long street names in AZ.
It was often abbreiviated or mis-spelled.
When I applied for a business loan it was kicked because I didnt have a stable address.
My credit showed me having about 30 addresses in two years.
Any human would look at it and realize that they were all mis-spellings of the same address.
To the software it looked like 30 moves in two tears.
If youve never checked it, I gaurantee you that your credit report will be chock full of mistakes and nonsense.
If you have gotten divorced at any time between this morning and the war of 1812 and you havent checked your credit report.
Do not be shocked when you find your name on a car loan or a mortgage or a credit card that you never had.
Dont be surprised when you find a joint account or insurance policy or credit line that you didnt even know about.
Thats the part that I think a lot of people miss when getting divorced.
When you leave, you are not thinking in a business, mercenary way.
It is just grief. Mourning the death of what you thought was the course and the path for both of your lives.
That future old people on the porch surrounded by family untill one day one of you dies and leaves the other one to live?
You aint thinking right, you probably aint thinking at all.
Thats when Allstate sends you a letter about cancelling your car insurance because because your wife tried to put the 19 year old apprentice electrician with a dui and a suspended license who was wiring your house on your car insurance thinking you wouldnt notice.
I noticed.
Thats why I am an Allstate customer for life.
One of my Exes families got together when grandpa died and buried him in the backyard and collected his retirement and social security for several years and then they sold the friggen house!LOL, I got a collection notice for a medical loan for some dental work she had done long after we were divorced. I guess she thought I was going to support her forever. lol In my mother's last year I took her info and signed her up for a Credit Karma account. Not entirely accurate but they do show cc balances, new credit etc. Turns out my daughter who was living with her was beating up one of her credit cards $20-45 two or 3 times a week through insta-cart. My grandaughter had ordered some clothes through Amazon. Sometimes it's those that are closest. Keep me signed in, and saved cc info can be dangerous.
I seem to attract them, I’ll keep sending them your wayJust banned that one too. Thanks again!
Yep. The problem is that crazy is a whole lot of fun.Wow!!! They do say, truth is stranger than fiction.....
This was a roller coaster from start to finish, I laughed objectively, not at you, at the end. By far the advice I wished I had gotten 8 years ago and with the same delivery. This is just what I needed my man. Thank you. For finally giving advice that resonates. I use state farm. Only because of their catchy jingle "like a good neighbor, stay over there"On a similiar subject, I want to tell you guys to pay close attention to what ypur elderly parents are up to online.
A couple of months ago my Mom fell for a "smishing scam"
She was expecting some package from Amazon and recieved an Email with a very blurred picture of a box and claiming that she needed to send the US Post Office 3 dollars or it would not be delivered.
She sent her credit card number to some scammer on Bumble.com and signed herself up for a 250 dollar a month revolving charge.
The only reason that I caught this is because my Mom lives with us now.
When I took her breakfast that morning I could tell that she had been awake all night.
She was worried about that payment making it to the US Post Office.
Ding,Ding,Ding!!!! What??
Mom, why are you sending money to the post office?
2 hours of on hold and getting dropped and calling back in order to cancell that credit card and dispute the charges.
Which leaves me in a where I know that a new credit card is maybe going to show up at some point.
In a city where they steal mail trucks and mail boxes.
The other thing I think is really important is that nobody, nobody ever checks their credit report every year.
You really need check all three of your credit reports every year and correct the mistakes.
Do this before you try buy a house or a car or apply for any type of a loan.
In my case I used to live in the northern part of Scottsdale, Az on a road with a very long and somewhat hard to spell name.
Some of you Arizona guys might have the same story.
They really love long street names in AZ.
It was often abbreiviated or mis-spelled.
When I applied for a business loan it was kicked because I didnt have a stable address.
My credit showed me having about 30 addresses in two years.
Any human would look at it and realize that they were all mis-spellings of the same address.
To the software it looked like 30 moves in two tears.
If youve never checked it, I gaurantee you that your credit report will be chock full of mistakes and nonsense.
If you have gotten divorced at any time between this morning and the war of 1812 and you havent checked your credit report.
Do not be shocked when you find your name on a car loan or a mortgage or a credit card that you never had.
Dont be surprised when you find a joint account or insurance policy or credit line that you didnt even know about.
Thats the part that I think a lot of people miss when getting divorced.
When you leave, you are not thinking in a business, mercenary way.
It is just grief. Mourning the death of what you thought was the course and the path for both of your lives.
That future old people on the porch surrounded by family untill one day one of you dies and leaves the other one to live?
You aint thinking right, you probably aint thinking at all.
Thats when Allstate sends you a letter about cancelling your car insurance because because your wife tried to put the 19 year old apprentice electrician with a dui and a suspended license who was wiring your house on your car insurance thinking you wouldnt notice.
I noticed.
Thats why I am an Allstate customer for life.