I’m taking the time now to clean up my finances. Frankly, although I’ve been on the forums for ages … real life has been rough and I’ve ignored the health of my finances quite a bit. The first prize for procrastination goes to me!
So new year, new season in life … time to buckle down and do some cleaning. Get back into the groove
First off, time to check my credit report. In the USA, the three major credit reporting agencies are required by law to give us a free one each year. This is THE website to go about it. There are others but I believe most will wanna sell you something.
The method I use is simple, learnt it from a financial book. So just passing along advice that I paid for … don’t judge me since I’m no finance whiz .
The method is to not get all the reports in one go. Break it up to one every four months. This way you can check throughout the year. Assume I do Transunion this month, I’ll put a reminder on my calendar to pull one for Equifax in June, and Experion in October. Make them repeating annual reminders and no more forgetting. Which I tend to do but guess I have no excuse anymore.