Comments on: Getting Organized: Monitoring Your Credit Report http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/ finance. money. action. Fri, 20 Nov 2009 12:02:44 -0600 http://wordpress.org/?v=2.8.6 hourly 1 By: Pepsi Jobs http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-4036 Pepsi Jobs Thu, 24 Jul 2008 05:20:18 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-4036 Anybody use lifelock.. you know when the CEO running around giving away his SSN? Just curious if it works and how well. Anybody use lifelock.. you know when the CEO running around giving away his SSN? Just curious if it works and how well.

]]> By: Carnival of Personal Finance #136 | Green Panda Treehouse http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-3973 Carnival of Personal Finance #136 | Green Panda Treehouse Sat, 19 Jul 2008 03:56:53 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-3973 [...] My Dollar Plan shows How to Organize Your Credit Report. [...]

[...] My Dollar Plan shows How to Organize Your Credit Report. [...]

]]> By: Jake http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-3461 Jake Thu, 05 Jun 2008 20:14:59 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-3461 I enjoy credit monitoring for identity theft and I also like to keep track of my FICO score. I heard recently that being a member of LifeLock can potentially cause a person to not be able to obtain their annual credit report because of the fraud alert. Just be careful there otherwise credit monitoring is a great service for identity protection. Keep in mind LifeLock is not credit monitoring. I enjoy credit monitoring for identity theft and I also like to keep track of my FICO score. I heard recently that being a member of LifeLock can potentially cause a person to not be able to obtain their annual credit report because of the fraud alert. Just be careful there otherwise credit monitoring is a great service for identity protection. Keep in mind LifeLock is not credit monitoring.

]]> By: 25 Excellent Resources To Protect Against Identity Theft | My Super-Charged Life http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-2821 25 Excellent Resources To Protect Against Identity Theft | My Super-Charged Life Mon, 05 May 2008 12:02:43 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-2821 [...] Getting Organized- Monitoring Your Credit Report [...]

[...] Getting Organized- Monitoring Your Credit Report [...]

]]> By: How to Fix Your Credit Report (and Identity Theft) | Prime Time Money http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-1279 How to Fix Your Credit Report (and Identity Theft) | Prime Time Money Fri, 07 Mar 2008 16:19:17 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-1279 [...] Monitoring Your Credit Report from My Dollar Plan [...]

[...] Monitoring Your Credit Report from My Dollar Plan [...]

]]> By: Jeremy http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-565 Jeremy Thu, 24 Jan 2008 15:04:15 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-565 I think the biggest reason to use credit monitoring all year round is identity theft. If you can catch and freeze your report with the first signs of anyone opening another account, you can save yourself a lot of headache trying to clean up the mess. Getting one account cleaned off your report is alot easier than 10. I think the biggest reason to use credit monitoring all year round is identity theft. If you can catch and freeze your report with the first signs of anyone opening another account, you can save yourself a lot of headache trying to clean up the mess.

Getting one account cleaned off your report is alot easier than 10.

]]> By: Monitor Your Credit Report, Frugality For College Students @ The Carnivals http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-554 Monitor Your Credit Report, Frugality For College Students @ The Carnivals Wed, 23 Jan 2008 20:01:36 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-554 [...] Getting Organized: Monitoring Your Credit Report @ My Dollar Plan [...]

[...] Getting Organized: Monitoring Your Credit Report @ My Dollar Plan [...]

]]> By: Madison http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-518 Madison Sun, 20 Jan 2008 20:41:19 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-518 @ LC: There's nothing you need to do with the closed accounts. They'll remain on your report for 7 years, then they'll just fall off. In fact they might be helping your score; I had some really old closed accounts that helped my average age. Once they fell off, I lost a few points! @ LC:
There’s nothing you need to do with the closed accounts. They’ll remain on your report for 7 years, then they’ll just fall off. In fact they might be helping your score; I had some really old closed accounts that helped my average age. Once they fell off, I lost a few points!

]]> By: LC http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-492 LC Fri, 18 Jan 2008 15:26:11 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-492 Now that I have done this, what should I do about closed account? Does it hurt me to have them? It really scared me when I first looked at my report and saw all of those. Then I realized that 90% of them were closed. Any tips? Now that I have done this, what should I do about closed account? Does it hurt me to have them? It really scared me when I first looked at my report and saw all of those. Then I realized that 90% of them were closed. Any tips?

]]> By: Madison http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-477 Madison Thu, 17 Jan 2008 03:29:02 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-477 @ Rocket: Yes, I saw a headline about the score changes but I haven't read much about it yet (except the part about removing Authorized Users from the scores). I'll have to look into it. <br> @ Cristina: You're right it does go by social security number, but it also uses names and other personal information. Somehow I'm in their database twice with the same SSN. I'm guessing it has to do with using two names (maiden and married names), but I'm not quite sure. <br> Either way, you aren't missing something. It's very rare (and incorrect) to have two reports. Each person should only have one! @ Rocket: Yes, I saw a headline about the score changes but I haven’t read much about it yet (except the part about removing Authorized Users from the scores). I’ll have to look into it.

@ Cristina: You’re right it does go by social security number, but it also uses names and other personal information. Somehow I’m in their database twice with the same SSN. I’m guessing it has to do with using two names (maiden and married names), but I’m not quite sure.

Either way, you aren’t missing something. It’s very rare (and incorrect) to have two reports. Each person should only have one!

]]> By: Cristina http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-476 Cristina Thu, 17 Jan 2008 03:13:19 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-476 Excuse my ignorance but, what do you mean you have two credit reports with Transunion? Isn't it supposed to go by SS#? Now I wonder if I might be missing some report that I am not aware of? Excuse my ignorance but, what do you mean you have two credit reports with Transunion? Isn’t it supposed to go by SS#? Now I wonder if I might be missing some report that I am not aware of?

]]> By: rocketc http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-474 rocketc Wed, 16 Jan 2008 17:55:43 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-474 did you see that they are changing the formula for figuring credit scores in 2008? did you see that they are changing the formula for figuring credit scores in 2008?

]]> By: Lynnae @ Being Frugal.net http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-470 Lynnae @ Being Frugal.net Wed, 16 Jan 2008 16:14:35 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-470 Thanks for the link! I totally agree that you need to stay on top of your credit report. There are too many bad people stealing identities out there to risk not taking a look at it. And since you can get a free report, there's really no excuse for letting it slide. Thanks for the link! I totally agree that you need to stay on top of your credit report. There are too many bad people stealing identities out there to risk not taking a look at it. And since you can get a free report, there’s really no excuse for letting it slide.

]]> By: Madison http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-468 Madison Wed, 16 Jan 2008 15:02:49 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-468 @ Dan: After monitoring our scores daily for quite some time, I found the biggest drivers for us were: Low utilization percentages and minimal inquiries. This is in addition to not having any of the negatives (late payments, collections, etc.) I have found that the number of accounts does not hinder us at all; in fact our scores are quite high. @ Dan:

After monitoring our scores daily for quite some time, I found the biggest drivers for us were: Low utilization percentages and minimal inquiries. This is in addition to not having any of the negatives (late payments, collections, etc.)

I have found that the number of accounts does not hinder us at all; in fact our scores are quite high.

]]> By: Dan http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-467 Dan Wed, 16 Jan 2008 14:51:49 +0000 http://www.mydollarplan.com/getting-organized-monitoring-your-credit-report/#comment-467 You make a good point about the free credit report. There are a lot of companies out there trying to lure consumers in with their "free 30-day trial" tactics. For most people that review their statements regularly, the once year free report is sufficient. Having so many credit cards (I admire the discipline you must have), what have you found to be the biggest credit score drivers? You make a good point about the free credit report. There are a lot of companies out there trying to lure consumers in with their “free 30-day trial” tactics. For most people that review their statements regularly, the once year free report is sufficient. Having so many credit cards (I admire the discipline you must have), what have you found to be the biggest credit score drivers?

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