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To: Rakkasan1

Slightly off topic, but everyone should do a routine credit check to see if anyone is using your SS number and/or name. Go to https://www.annualcreditreport.com to get a credit check from each of the 3 reporting agencies each year.

This is the site that is featured at http://www.ftc.gov and is the only 'official' site sponsored by the 3 reporting agencies. (There are other sites which offer free credit reporting - I am guessing they likely want to charge you for your free info, sell you something else, or are scams to get you to input your personal information. To be safe you may even want to start at the ftc.gov site.)

You can do all 3 at once or spread them throughout the year. I recently did mine and found that my info was comingled with that of several relatives (who fortunately aren't deadbeats:)), and that there were still cards listed which I thought I had closed long ago. These errors were resolved within a day.


14 posted on 12/19/2006 4:27:50 PM PST by posterchild (Spent some money on women and beer, the rest was just wasted.)
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To: posterchild

thanks. the 3 major credit bureaus allow 1 free report per year. just do one from each every 4 months---all free.


17 posted on 12/19/2006 4:32:35 PM PST by Rakkasan1 ((Illegal immigrants are just undocumented friends you haven't met yet!))
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To: posterchild

It's possible you want to leave those cards open, even if you don't use them. One of the factors in a good credit rating is the length of time one has had the card. Second, cancelling a card I'm told shows up as something like "closed at holders request" which is a negative...


18 posted on 12/19/2006 4:33:29 PM PST by Freedom4US (u)
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