For some reason, I felt like I should check all of my credit reports today. I think it was because I knew my new landlord had run our credit, and I also haven’t checked them in a while. Remember, the government mandates that everyone gets 1 free credit report (but not score) every year from each of the 3 credit bureaus at AnnualCreditReport.com. You can get all three at once, or space it out. I requested all three so I could compare them all side-by-side.
Besides, if I want my credit report again I can always go to sites like Credit.com and get one free with a trial subscription. I’ll have to cancel within 30 days or get charged something, but you get the credit report instantly, so why wait 30 days? I usually cancel the same or very next day! Another bonus is that you can also get your credit score for free as well, which is usually $8 everywhere else.
Let me go through each one of them slowly and carefully so I don’t miss anything…
Personal Information – All correct except for my current address – Instead of 1234 Main St, it has 1234 Main St Apt# 999, where 999 was my old apartment number.
Installment Accounts – Just my two student loans, correctly noted as fully paid off and closed. (woohoo!)
Revolving Accounts – No late payments or other derogatory marks. Everything seems accurate!
I do have an unfamiliar large credit line, that I believe is when my mom added me as an authorized user. I can’t decide if I should ask my mom to remove me. It is an old account (for me) starting in 2001, so as long as my mom keeps paying on time, I think I’ll keep it open.
Hard Credit Pulls In Last 12 Months – 2
Citibank – Citi Professional Card (Got $100 Gift Card + 0% APR)
Tenant Screening – Rental Application
Personal Information – All correct.
All Accounts – All correct! No late payments or other derogatory marks. Same extra credit line, it is definitely my mom’s.
Hard Credit Pulls In Last 12 Months – 0
None! Hmm… I need to pursue some more bonuses
Personal Information – Amazingly, they also have like 5 variations of my current address, including the wrong version that Equifax has. They even have the old address without the apartment number. They have the correct one on top, though, so I guess I’ll leave it alone.
They also have Jonathon as my alias. Shrug.
All Accounts – All correct. No late payments or other derogatory marks.
Hard Credit Pulls In Last 12 Months – 3
My credit reports are loooong. Let’s just say I’ve got a lot of accounts. Over 15 currently open and over 15 opened and closed. Yowza!
I’m happy there are no egregious errors, like a late payment or something. No signs of idenity theft, as every credit check has been for a purpose (and at least $100 of value!!) besides the unavoidable tenant screening check.
Whenever you ask for overdraft protection at a bank, that means a hard credit check and a credit line being opened for you. I have two of these from years ago, which were a mistake. I decline these now. Still, if you have them, keep them open.
Looking at old inquiries to see exactly which banks and brokerages pull credit reports and which don’t. For example, it is confirmed from these reports that Sharebuilder and HSBC Bank don’t do hard credit pulls for new applications. Also, I need to initiate a dispute to correct the address error I found.
I should also do the same for my wife, at least her reports will be much shorter to read through!
By Jonathan Ping | Credit Cards | 3/26/06, 8:27pm