Wednesday, July 12, 2006

Torn between two Beacon scores...

Wow, two-fer today!

At 34, I have decided that it is time to stop living like a gypsy and actually purchase a house. To that end, I pulled my credit reports today to verify that there wasn't any misinformation or other surprises. Of course there were.

None of the three bureaus have the same score for me, but the surprising thing was that the difference between the highest and the lowest score was in excess of 200 points! That's quite a swing. The difference can be attributed to a lot of erroneous information. Like, for example, the bank that is currently reporting me 120 days late on a car loan that was paid-off in 2001.

So, the "Great Credit Clean-Up of 2006" has begun.

This does present me with a bit of a morale dilemma; one of the bureaus has an "AKA" listed for me. On one hand, it's an error and should be fixed. But, this guy has OUTSTANDING credit! Frankly, I'm tempted to say nothing and let his accounts stay!

But, on the other hand I don't want to get turned down because they think I have three car loans.

The point is if you haven’t checked your credit report in a while, you probably should. Mine is riddled with errors, which is going to stall my house-buying progress while they get fixed.

Who says this blog isn’t educational?

1 comment:

Brian said...

sweet, glad to hear.

btw, posted your blog link on my blog.