The Caffeinated Penguin

musings of a crackpot hacker

Life, SINs, etc.

Posted By on October 10, 2005

So, everyone should go have a look at AnnualCreditReport. Basically, the new federal legislation finally went into effect that says that people are entitled to one free copy of their credit report each year, from each agency. So, I went and checked mine out. There's literally everything in there. Every loan, credit card, what the limits are, what the balances are, etc.

It's kind of surreal, to see my life summed up in such a fashion. On the other hand, since all the information was accurate, and it was, in a word, excellent (all accounts in good standing, no late payements, ever), it gives me a warm fuzzy.

Now, if I can only keep a lid on my spending to pay off the last little bit of a balance I'm carrying on a credit card, I'll be good. I'll still have car payments, but that's at something like 10% – 15% lower interest than my credit card.

Anyway, folks should go have a look to make sure that your information is accurate. Note that none of them give you the credit score for free – that costs extra. However, since the report is there, as long as the report is good, then the credit score should be good as well, and that's all free.


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