DailyAfirmation (dailyafirmation) wrote,
DailyAfirmation
dailyafirmation

Get your annual free credit card reports...

Get a copy of your credit reports from each of the three major credit reporting agencies. You get one for free each year from each of them – know precisely where you stand.

Don’t succumb to their ploys to get you to subscribe to a (pretty worthless) "Credit watch" service, although you may want to pay for a copy of your FICO score for a nominal fee from one of the agencies. Personally, I didn't do this. I just took the free reports.

While you’re at the site of each reporting agency, take time to opt-out from pre-approved credit offers, so a pre-approved application doesn't’t land in your mailbox, waiting for someone to steal it and your identity.

Get your three free reports, from Equifax, TransUnion, and Experian, here: http://www.annualcreditreport.com (Warning, you have to provide some personal information, some of them account numbers, to verify your identity, so it's best to do this when/where you have access to such information.)



The Experian report gives you monthly balance information on your credit cards, which I found interesting.

These are my only two credit cards, and I pay off both of them each month, and for every dollar spent on each of them, I receive frequent flyer points. That's why I charge everything I can (groceries, gas, recurring bills, eating out, auto and house insurance, all of my medical bills, etc.) to my cards.

This allows me to virtually write one check a month for everything I buy. And in reality, I pay these bills online with a bank transfer, so I don't ever really write a check for them.

I write so few checks any more. In fact, just within the last three months, I finished up a box of checks that still had the address on them of the house that I lived in with my wife up until 1994. Yes, for 11 years, I stuck return address labels of my new addresses onto the upper lefthand corner of my checks. But I digress.



The almost $9000 due on my June 2005 AMEX card was the month I charged our Alaskan Cruises, among my "normal" expenses. Of course, I charged my parents' trip on my card to get the points, and they wrote me a check to reimburse me. They couldn't care less about frequent flyer points.

You laugh; I've already taken two trips this year on frequent flyer points, and am about to take two more (me and Robert) to Tahoe in a couple of weeks.

Why not take advantage of money you're going to spend anyway? The expenditures on these two cards have netted me almost 60,000 points -- that's two free tickets, and then some.



I received my first Christmas card in the mail today. It was from my ex-mother-in-law and -father-in-law.
glitter graphics
Subscribe
  • Post a new comment

    Error

    default userpic

    Your reply will be screened

    Your IP address will be recorded 

    When you submit the form an invisible reCAPTCHA check will be performed.
    You must follow the Privacy Policy and Google Terms of use.
  • 0 comments