My assignment from the Thursday before last was to get a free credit report from all three major companies (Equifax, Experion, and TransUnion) to see what was attached to my identity.  About 70% of all credit reports have errors in them, but less than 20% (maybe closer to 10%, I’ll update this when I confirm from my notes) actually check their credit reports.  So, I did as I was told and pulled my reports…

Who knew I’d have 5 mysterious credit cards to my name???  They all have a balance of zero and none of them were opened before year 2003.  This leads me to believe that, as a gullible freshman, I did all this to myself.  I probably would have done anything for a free t-shirt or decent piece of candy (or even a nice pen).  These credit card companies are so…calculated…in their marketing/targeting strategies that I’m left dumbfounded.  This is just my best guess; I still have to call a few companies to see if my suspicions are correct.

It’s taken me a while to realize that I’m better off being adamant with companies that tend to ask for certain pieces of information from me.  I’d have much fewer credit cards to my name (and, “virtually,” no spam e-mails).  On the other hand, I’m ecstatic that I finally pulled a credit report!  I feel so grown up, now!!