It is finally figured out. We received word back from the three agencies saying that everything was ours but they gave us a updated phone number so we could actually call about it. We have paid off the amount even though we still feel that there was an error on the companies part put the company won't talk to us because they closed our account. We are just happy to get it off of our record and are thankful that it really wasn't very much money.
There was somethings that we did wrong. We had thought we had changed the address for this credit card and I guess that we didn't. Second when the bill didn't come I should have done some more investigation so this wouldn't happen.
It is funny in this day and age that they said they couldn't find us. No bill not even from the collections agency?
Check your credit report and don't feel bad if there is something on it, it happens sometime just get it taken care of sooner then later. I would love to hear about your stories so please leave a comment.
Thursday, June 9, 2011
Tuesday, May 17, 2011
Credit Report
You all have a credit score and how it all works well, who truly knows but I would like to give out some information to help you know how to look at your credit report and how to dispute something.
My husband and I were checking his credit score and found some discrepancies on his report. I of course took this personally. I take care of all of our financial everything so this felt like my grade had come in and that I didn't study. He called and checked on both. They were errors that needed to be fixed and his score should recover a month after it was taken off.
Things that you need to know:
1. You should check your credit score once a year (which is free) at annualcreditreport.com
2. Look through all of the report make sure that you have all of the accounts that it says you do and if there are ones that are discrepancies take care of them. They have phone numbers that you can call.
3. They will tell you that you can only write the credit reporting agencies and that you can't call or e-mail which is not true. On the three reporting agencies websites you can go on and report an issue and you can actually do this when you are viewing your repot. Which is the best way to go about it because if you go to their site they might ask you for a report number that you won't have unless you paid for your report.
4. They have 30-45 days to respond to you. They give you a confirmation number and will e-mail you the results. Sometimes you will have to end up disputing it through the mail, but they give you the reasons and what would need to be mailed if that was the case.
5. If you check your credit it doesn't effect your credit score. I always thought that it did but it doesn't and you can do it as many times in a year as you would like. Don't pay more than $30 for all three reports together.
We haven't herd back about our disputes but I will keep you posted as to what happens. Hopefully you don't have to deal with this or if you do that it can be taken care of quickly.
My husband and I were checking his credit score and found some discrepancies on his report. I of course took this personally. I take care of all of our financial everything so this felt like my grade had come in and that I didn't study. He called and checked on both. They were errors that needed to be fixed and his score should recover a month after it was taken off.
Things that you need to know:
1. You should check your credit score once a year (which is free) at annualcreditreport.com
2. Look through all of the report make sure that you have all of the accounts that it says you do and if there are ones that are discrepancies take care of them. They have phone numbers that you can call.
3. They will tell you that you can only write the credit reporting agencies and that you can't call or e-mail which is not true. On the three reporting agencies websites you can go on and report an issue and you can actually do this when you are viewing your repot. Which is the best way to go about it because if you go to their site they might ask you for a report number that you won't have unless you paid for your report.
4. They have 30-45 days to respond to you. They give you a confirmation number and will e-mail you the results. Sometimes you will have to end up disputing it through the mail, but they give you the reasons and what would need to be mailed if that was the case.
5. If you check your credit it doesn't effect your credit score. I always thought that it did but it doesn't and you can do it as many times in a year as you would like. Don't pay more than $30 for all three reports together.
We haven't herd back about our disputes but I will keep you posted as to what happens. Hopefully you don't have to deal with this or if you do that it can be taken care of quickly.
Thursday, April 21, 2011
The Coupon Adventure
I have decided to get into couponing more or I guess start again. I used to get the paper free from our apartment complex but that stopped a couple of years ago and I just didn't want to pay for the paper. Then my library had coupons so that is how I would do a little couponing to save some money. We moved across town and my library doesn't have coupons so I have decided to start buying them on ebay. Have any of you done this before?
I am now going to be figuring out if this is worth it or not and what price is actually reasonable. My husband is skeptical of this but is supportive of me figuring out if this is really worth it for our family.
I am trying to cut costs where I can with food and gas going up. I would love to hear what you have been doing to save money.
I am now going to be figuring out if this is worth it or not and what price is actually reasonable. My husband is skeptical of this but is supportive of me figuring out if this is really worth it for our family.
I am trying to cut costs where I can with food and gas going up. I would love to hear what you have been doing to save money.
Free Class Canceled
I have decided to cancel the free class because I had no takers on coming. If you ever become interested in having help please let me know and we can arrange something.
Monday, April 4, 2011
Date Set for Free Class
Mark your calendars for April 28 at 7:30pm I have room in the class for 7 couples. Please leave a comment if you would like to join us and make sure you leave your e-mail so that I can give you the address and what you need to bring.
Remember that this is for those in the Kalamazoo area. We will be working on setting up your budget. This class is only for those that are using my budget. We will have future classes that it doesn't matter what you are using.
Remember that this is for those in the Kalamazoo area. We will be working on setting up your budget. This class is only for those that are using my budget. We will have future classes that it doesn't matter what you are using.
Monday, March 21, 2011
Free Class Update
I just wanted to let you all know that there is still plenty of room for more people to come to the free class. I have not set the date yet because I have had a hiccup come up in my personal life so it will be like the middle to end of April.
I am so sorry if this is inconvenient. If you have questions remember to leave comments or to e-mail me and I will get back to you very soon.
Thanks
I am so sorry if this is inconvenient. If you have questions remember to leave comments or to e-mail me and I will get back to you very soon.
Thanks
Friday, March 11, 2011
Free Class
Do you need more help? Are you scared to start, or just feel overwhelmed by the process?
If you live in the Kalamazoo area or want to travel here leave a comment with your e-mail address and we can arrange a time and place to meet and turn you into a successful budgeter.
The class is free, I can answer all your question and help you to feel good about doing it on your own. All you need to do is make sure that you have purchased the budget before the class. If you decide on the group class you can have your own budget and do not need to purchase mine.
I can hold a group class, one on one, or if you would like both.
Leave a comment with what you would prefer and we can get it arranged for sometime this month.
If you live in the Kalamazoo area or want to travel here leave a comment with your e-mail address and we can arrange a time and place to meet and turn you into a successful budgeter.
The class is free, I can answer all your question and help you to feel good about doing it on your own. All you need to do is make sure that you have purchased the budget before the class. If you decide on the group class you can have your own budget and do not need to purchase mine.
I can hold a group class, one on one, or if you would like both.
Leave a comment with what you would prefer and we can get it arranged for sometime this month.
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