Friday, November 28, 2008
FREE CREDIT REPORT W/OUT USING A CREDIT CARD! EUREKA
Guess What! It is me again blogging. How long has it been? I don't think I can even count the days! For those that keep up with my blog, let me just say, MY LIFE HAS CHANGED so much in the last 6 months, and my future is now heading in many different ways. Long story, and will try to get around to blogging about it as soon as possible.For those that are new to my blog, this is important information to read, as it has to do with credit and getting your credit online that is really free. Funny how I found this out reading where I took on a free 15 day membership with one that charges you after 15 days. I read their TOS and within their TOS, discovered I could get all three reports free. (By the way, I was just about to pay $24.00 with this particular credit report place when I found out, by agreeing to their TERMS of SERVICE. And low and behold, I assume by law, they gave a link where I can get this all free. LOL It does pay to read any and all of TOS within websites, as you can find out all kinds of good stuff without being ripped off, so to speak.)
I am sure that most all have seen the commercial where the young guy is always singing about his credit and how his life became screwed up by not checking his credit first. Singing songs about not being able to buy a car or marrying a girl before he checked what her credit was like, to give a few examples. He is SO CUTE, and I really liked the commercials.
As it has turned out, recently, I needed a credit report. So, off I trot my fingers to FreeCreditReport.com. Turns out, I was a ghost while trying to get my credit report, as I have not placed anything on my credit since 1996. 1996 was 12 years ago, and when they tried to identify me, I could not remember stuff. This was a headache, and ended up having to fax them tons of stuff to prove I was really me. I got a little irritated and ventured over to other free credit places (well, free for 15 days.) I was a ghost there also.
At these free credit reports for a certain amount of days, before you can get your credit report (and it usually only gives you only one out of three) you always have to give your credit card number to continue. I always make a date of when I do this, as I really do have intentions of canceling whatever I am doing, especially if I am just looking for something simple and not really interested in all their "Premium Memberships" that cost each month that I know I will never use.
OK, I see that I am running off at the mouth again I see, so I will get to the meat of this blog.
Here is a link where you can get your credit report for free once a year. You can access this link once a year for most states, and you are given 30 days to view or do whatever you need to do on the site. They DO NOT ask for a credit card to do so. (But be very careful, as there are links within this site where you might think they are part of viewing your credit and you would have to pay.) This site also allows you to do what the other paid sites let you do, such as disputing your credit, or changing things that are not correct on your credit file.
And the winner is************* Annual Credit Report Make sure you check out their toolbar at the top. Especially the FAQS. It is really informative and important.
I could just KICK myself in the BUTT for not finding them first. If you google Free Credit Report, they do come up pretty fast, but others come up before them, and they all say they are free until you get to the fine print of what all their memberships offer within your so many days time frame. Once you get to Annual Credit Report one is almost of the opinion that it is just another one like it or attached to it, as like I said before, some of the advertisements on the site can be misleading and take you to a paid membership site on credit reports.
In ending, I HIGHLY encourage anyone to check their credit, especially if it is really free. Main reason I say this as I have very little credit, but even in all three of my reports, I found out that several things were wrong within my credit report and therefore, disputed them. I also found out that checking my own credit did not count in ratio of having several places (credit cards, car loans, housing, medical, etc.) of messing up my credit score. (If your credit is checked a lot by places you are trying to get credit, then it can lower your credit score.) If something is wrong with your credit, then FIX it. Especially now with the economy in such a slump. On my credit report they had the residence I lived in back in 1999 as my last place of residence. OMG! LOL.
What made it really funny was they had all my other addresses listed as well, even the right dates, but still listed my 1999 address as my current address. (Well, I faxed them all the proof and information they needed. I guess they will now have a lot of new paperwork to do concerning me.)
Hope many read this blog and I hope this helps. See, many of the good things in life are free. Just gotta find them. Which is why I choose the word EUREKA as I am so happy I found this information.
Katie
Considered by yngathrrt at 2:43 PM
Saturday, August 30, 2008
HURRICANE MEMORIES~LOADED THOUGHTS! GUSTAV?
KATRINA MEMORIES~LOADED THOUGHTS!The title above is of a blog I wrote back in June, 2006. No reason to really click the link as I have done a complete copy and paste of it. Once you finish reading the blog, is the update of how this once again may happen. Another hot August day, but years later. Also, I will give links to update on this from what I have found, and the resembles of Katrina.
While I was working on my own personal goals tonight, my husband appeared with a magazine in hand in a demanding voice of “you love to blog, you must read this, as trust me, you will find time to blog on this.” I looked in his eyes, and he stood there with the pages open for me to read, and stood over my shoulder while I read the article. I should have know if was an article by National Geographic, as he reads them all. From the antique volumes to the new ones pressed in dates of 2006. And he reads them from front to back!
With him over looking me, I started to read the article. It started off describing a broiling hot summer day on a August afternoon, and forecasters warned of storms approaching that would hit the city of New Orleans. How it was forecasted and the devastation would unfolded. How the storm turned into a hurricane and the loss of life was involved. How the storm gathered speed and why people evacuated to higher ground. The story entailed how thousands remained in place, giving examples of the homeless, the car less, the aged and infirmed, as well as the die-hards that refused to go.
The article talked about how the devastation continued. How it hit certain areas in close relationship description of a nuclear warhead, pushing a deadly splurge into Lake Pontchartrain. How the waters of the lake broke away under the strength of the storm, flooding the city with unexpected waters. How it enveloped the city and destroyed the houses, and took away the bars and strip joints on Bourbon Street, and how it reached the entire city going over 25 feet while people rushed and climbed on roof tops to escape the fury.
The article went on to read about thousands drowning in the murky waters, and pointed out those that did now drown would die do to contamination of sewage and industrial waste, and how thousands of others would perish from the flood in regards to dehydration and disease while they waited to be rescued. How millions would be homeless, and thousands were dead and dying. How this was the worst disaster in the history of the United States.
He was expecting a reaction out of me, as he knew I had been watching CNN all day today on the Katrina disaster memories, and he is used to my tears that fall, but his point was strong as he knows me well and my emotions. He expected me to look into his face on the next line I read of “When did this calamity happen? It hasn’t-yet!” My first thought was, “Oh God, the possibility can happen again”
My husband took the book from my hand, and flipped it over for me to read the date. The date on the National Geographic magazine is October 2004. My insides and my body shook. We had already discussed this and knew this was reported on, but seeing this in such description in reality stunned me.
The article goes on to read that the doomsday is not far-fetched. That the Federal Emergency Management Agency list a hurricane to strike New Orleans as a dire threat to our nation. It even goes so far to say that Red Cross has a problem with hurricane shelters with claims the risk to workers is too great.
The article is devastating to read, as it brought back so many memories that touched the entire USA. And like with Tsunami, it reaches much further.
Jim, my husband deals with things different than me. While I cry and mourn on these things, his heart is heavy as he cannot stand the fact that people in power did not know this was going to happen and then it did happen, or if they knew the possibility of it, they refused to believe it, or own up to the fact so therefore passed the buck to stay clear of any blame.
Article is provided on the warning and prediction of trauma that did hit our USA and devestated so many lives less than a year ago, and their lives still continue to be stiffled, and hurt! GONE WITH THE WATER~NATIONAL GEOGRAPHIC 2004
While the article of 2004 says so much that stands true in reality today, it breaks my heart to just go on. There was a statement in the article of why people will be broken forever, our wallets also suffer the problem as tax payers. And this could have also be avoided. When this happened, my last thought was a tax problem and my dollar spent as a tax payer, but what the author wrote gives me reason to think on this without guilt. When such a disaster happens to us, as a nation, as a caring respondent, our first thoughts are for the people that suffered. Our other thoughts come later. Reading the article will let you decide with your own feelings!
Katie
Date now is August 30th, 2008! Below!
Now here we are once again almost of what could be devastating news, and will hit in the early days of Sept. yet the same day as the Anniversary of Katrina, when the news of Katrina hitting New Orleans August 29, 2005.
I so hope this is not a repeat of Katrina and the devastation we saw back in Aug. 2005, but it could be. Many residents of Katrina have not even finished building the homes that they wanted to return to. The levy's are not even ready or strong enough as this takes so much time and money to finish and prepare for such another disaster. Streets and highways are already jammed and buses are already being loaded. At least the people are taking much more energy to realize the importance of such a disaster that can strike. There are tons of links of what is possible and what can happen. Many forecasters are even predicting that the storm surge can be higher than what Katrina brought. It really matters not if we are prepared for this or not, as it could very well be a reality of the repeat of Katrina with Gustav and with Hannah right behind it.
The news is pretty much updating every few minutes now of the possibilities of what can happen or expectations. Please see the links below. And once again, my thoughts and prayers are with all that might suffer from this, and as a nation as well should it come to this. Hugs to all, Katie
PREPARING FOR GUSTAV
GUSTOV NOW MAJOR HURRICANE AND PICKING UP STEAM!
GUSTAV TRACKING, Information, Wind, Surges, Forecasts, related issues(I consider this to be an excellent link as it gives so much valuable information)
Google research of "Gustav" will bring many more excellent links!
