Keep Yourself Safe From Scammers

Hey, Gene.

You can actually get three free credit reports each year, one from each credit agency.

I get one every four months except from a different agency. All of the credit agencies get the same information. The difference between them is how many points they aware or deduct for the information they receive; their algorithms differ. If the credit score takes a sudden hit, that can indicate something going on, but it's always good to read all the fine print under each category and entry. It's amazing what one will find.

My first free credit report showed that I had a government student loan that had not been paid off. Nope. Never had a student loan at all. I went to college on a scholarship and worked at Waldenbooks to make my living expenses. It took about six months for the government to correct my credit record. So get started today in checking one's credit reports.

I see Jim was here a month ago. That was going to be my comment about getting a report every four months from a different credit agency.