Friday, July 08, 2005

Free annual credit report

Just added a link for a site where you can get a free annual credit report. It's not available to people in the Northeast until Sept. 1, 2005, but the rest of the country can already use the site. Always a good idea to check for any irregularities and be prepared to deal with them before trying to buy real estate, get a loan, etc.
If you have credit cards you don't use, make sure the accounts are really closed, otherwise they may be counted against your total credit limit.
When I rented my current apartment a few years ago, I found a few dormant but still open accounts that needed to be cleared up, and I consolidated my credit cards down to 3-- one Visa that I regularly use, one spare Mastercard that I rarely use, and an Amex for those rare occasions when that's the only card they'll take.

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