Comments on: Review Your Credit Report Annually

By: Ryan

Ryan — Wed, 09 Feb 2011 19:42:23 +0000

Old post, but I just checked my credit report and saw a huge error. On my credit card (which I carry a balance that I’m currently paying down) they aren’t showing a credit limit (the card does have one). So my debt to credit ratio is way over %100.

By: jsbrendog

jsbrendog — Wed, 02 Dec 2009 17:25:14 +0000

i did this for the first time in january i believe and found an error on experian. I filed a statement saying i would like an investigation because i never lived at the address marked and a week later it was confirmed and removed. frightening, but easy.

By: eric

eric — Wed, 02 Dec 2009 03:12:03 +0000

I can never remember doing this on time…must check out the service!

By: Jim

Jim — Tue, 01 Dec 2009 19:38:46 +0000

Yes, I always fix errors because you want it to be 100% accurate. It won’t improve your score but there will come a time when someone asks you for former addresses and they may pick one of the ones you don’t remember living at (because you didn’t live there). It will cost a little time but it’ll be well worth it.

By: Ryan

Ryan — Tue, 01 Dec 2009 19:31:40 +0000

Thanks for the reminder Jim, I pulled all three today to check for errors and except for some weird addresses, which I think may belong to my brother, in my history nothing was out of the ordinary. I wonder if it is worth trying to fix them?

My credit score slid down 10 points since last year but we have paid off 2 car loans and barely used our credit card so it wasn’t unexpected; still I was glad to see a FICO of 795 this year.

Since this is my first comment, I wanted to say thanks for the site, I visit regularly and pass on some posts to friends and coworkers.

By: tbork84

tbork84 — Tue, 01 Dec 2009 18:51:02 +0000

An easy email reminder service that takes only a minute or two to set up, google calendar. I have my reminders sent every four months directly to my email. So far its working out great since it hasn’t failed to elicit an “Oh yeah, I completely forgot I should be doing that this week.”

By: zapeta

zapeta — Tue, 01 Dec 2009 17:39:19 +0000

I pull one of the three reports every 4 months. I can’t wait to hear about the email reminder service later this afternoon, that would be very helpful.

By: lostAnnfound

lostAnnfound — Tue, 01 Dec 2009 17:31:33 +0000

The email reminder service would be great. I remember to get our credit reports every first of the year as we prepare our taxes, but all of our good intentions to get it again later in the year are forgotten.

By: glixon66

glixon66 — Tue, 01 Dec 2009 17:07:31 +0000

Muchas gracias, Jim. The suggestion of staggering the reports every 4 months is perfect! I’m going to definitely do that.

I look forward to the email reminder service info.