Another thing to consider…his name is identical to his father’s, and mine to his mother’s (no kidding). While we were poverty grad students, his parents were denied credit when their id’s were confused with ours.

Newer accounts that show a credit line and a history of payment, and lack of use, are a benefit to your credit. Again, my DH’s expertise, but we have a great credit score, so I trust his knowledge.

Jeff, nice challenge. I wasn’t here for the previous daily’s, but these are great!

I didn’t find any glaring errors, but was amazed at 23 open accounts. Only a handful that have had any activity in the recent years………but 23! Seems like a bad idea to me, and I had already decided in my head to call & close out some of the antique ones. But, then I read here in the forums, that the number of accounts & the ones that go back years are actually good?? So, I’ve left them alone, against my little voices telling me to clean this up!

I did make some big changes the other day on the charge cards I have. I was also amazed to see the total of all 3 cards. TOO MUCH! I’m paying the worst one off first, per the directions of the challenge. Then, have a new card coming with the zero % interest for transferred balances……….think I can get that one paid off in a year……and then I’ll just have the one I use anyway. Will commit to paying it off monthly. Feels so good!!! Thanks much for the push in the right direction.

Can’t wait for the next daily challenge!

You can order one report from each company during the calendar year for a total of 3 reports total. You don’t have to get all three reports at the same time.